The Warning Signs of Too Much Debt

Even if you are making the minimum monthly payments on all of your financial obligations, don’t fool yourself. You may still have a serious debt problem. You need not be one or more months behind on your bills to have too much personal debt.

• Are you unable to accumulate any savings? Is your savings account empty? If every dollar of your monthly income is already committed to paying a bill or paying a minimum on a debt, you should explore your debt settlement options.

• Are you paying only the minimums on your major credit cards, store credit cards, or other unsecured lines? If you can’t pay your living expenses AND make meaningful progress toward retiring your debts in the same month, you should examine the possibility of a negotiated debt settlement.

• Do you use your credit cards to buy necessities—such as gas or food—that you used to pay for with cash or a debit card? Think carefully about what you have used credit cards to buy over the last month. If you’re buying necessities on credit, consider it a serious debt warning sign.

• Are you at or near the maximums on your credit cards or personal lines of credit? If you have ever reached the register and had to try several credit cards to find one with room for a purchase, you have too much debt.

• Do you know how much you owe? If you don’t know, you may have more debt than you can repay without negotiating with your creditors. Our certified debt settlement specialists can help you get control of your debts. The first step is a free debt analysis. Call Certified Debt, LLC at 1.877.332.8441 right now!

• Do you pay some bills by check to take advantage of the float? If you have written a check to a creditor counting on the few days of processing to allow your paycheck to reach your account, you have used the float. Relying on the float to stay current is a sure sign of too much debt.

• Are you paying one credit card with another? Do you take cash advances on cards to pay debts? If your are not managing your debts so that you see balances declining every month, you may benefit from having our attorneys negotiate a debt settlement on your behalf. Call 1.877.332.8441 for a free debt analysis.

• Have you hidden bills from your spouse or lied to friends about how much you owe to your creditors? Hiding bills from family members is a serious debt warning sign. Getting help from the certified attorney negotiators at Certified Debt, LLC will help you end the cycle of debt and put your finances back in order.

• Do your debts keep you from enjoying your life? If the amount of money that you owe keeps you awake at night or causes you to feel overwhelmed, you owe it to yourself to find out how a certified debt negotiator can help.

These debt warning signs point to a problem that won’t go away unless you choose to do something about it. We can help you get on a path to being debt free. Call 1.877.332.8441 today for a free debt analysis.