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Warnings Signs that you HAVE a debt problem
You constantly exceed your credit card spending limit.
You use your credit card for necessities of life instead of as a convenience.
You're always borrowing money to survive from paycheque to paycheque.
Your wages have been garnished.  
You're paying interest and service charges monthly and your debt is not reducing.
Creditors are calling and demanding payment and threatening court action, or to seize your assets.
Your utilities have been cut off due to unpaid bills.