- Frequently pay bills after their due date
- Regularly bounce cheques
- Uses one credit card to pay the minimum amount owing on another card
- Receives calls from collection agencies
- Regularly ask friends or family members for loans
- Utilities being cut off (telephone, hydro, cable)
- Have cut back on regular budget expenses such as clothing and recreation, or necessities such as food
- Are considering taking a second job in order to help pay bills
- Continuously going over your spending limit or you use credit cards as a necessity rather than convenience
- Wages have been garnished to pay for an outstanding debt
- Pay only interest charges monthly and do not reduce your total debt over a number of months
- Co-signing or not understanding what you’re doing.
