12 Signs You Need a Credit Intervention

Are you struggling with credit card debt right now? Does simply hearing the words 'debt' and 'credit cards' stress you out? Here are 12 signs that you need a credit intervention:

1.  Charging more each month than you make in payments.

2.  Paying only the minimum amount due on your credit cards.

3.  Using credit and cash advances for items that used to be purchased with cash, like gas and groceries.

4.  Having a total credit balance that rarely decreases.

5.  Being at or near your credit limit and applying for new cards.

6.  Needing a consolidation loan to pay existing debt.

7.  Not knowing the total amount you owe.

8.  Avoiding opening your bills.

9.  Receiving collection calls or notices in the mail.

10. Making late payments consistently.

11. Experiencing feeling of anxiety and stress whenever you use your credit cards.

12. Hiding your credit card bills from your partner/spouse.

If any of these sound familiar, it's time to take action. Putting it off any longer will only make it tougher for you. For some tips to help, check out "How to Make Spending Cuts to Get Out of Debt."

While there are many bad words, debt is probably the worst four letter word in the English language. For many people, that word is synonymous with stress and anxiety. But it doesn't have to be that way. LSS Financial Counseling, a nonprofit organization, can help. Give us a call at 888.577.2227 for your free and confidential financial counseling session. Our counselors will look at your financial picture and make a plan to move forward to help you break the debt cycle for good. Take action today.

If you don't want to wait - great news! You can get started right now online by going to our website.