13 Reasons to Contact a Credit Counselor
    You know, a credit counselor is a really good idea if you’re dealing with serious financial problems. Did you know, that you can find non-profit credit counseling agency? Now, how can you know you’re in need of meeting a credit expert? Don't panic if you occasionally find yourself in some troubles. Splurging might happen to everyone, once upon the time. But if it smells like routine, you probably have a problem. The most important here is to look at your finances carefully. Be honest with yourself and dare to accept the truth. Find out if it's something temporary: you might be between jobs. But it’s a pattern or a routine, first thing you need is to be honest. Admitting, that there’s a problem, is equal to at least halfway toward solving it.
Don’t wait too long, as financial problems are not used to be solved by themselves, unless you make right moves to reclaim the situation.
    Make your own financial examination of conscience. Then contact a financial fitness trainer and tell him your problems. Remember: whatever your problem is, credit counselors have already heard this stuff. They solve these kind of problems every day. You will not shock them.

        Now answer sincerely these questions. This will help you realize if you’re in troubles and if - in what kind of troubles:

1. Are you at the limit on each of your credit cards or hazardously close to it?
2. Do your credit card balances rise whilst your income decreases?
3. Do you continuously charge more each month than you make in payments?
4. Do you sign up for every credit card offered you though even unsolicited?
5. Are you using credit card to buy the majority of necessities, like food?
6. Do you have more credit cards than a gambler has decks?
7. Are you juggling with credit cards, applying for new one to use cash advances for paying an existing card and unpaid bills?
8. Are you paying only the minimum required on your accounts, or maybe even less?
9. Do you work overtime to pay off your credit cards’ balances?
10. Have you received phone calls or mails informing about delinquent bill payments?
11. Are you taking from savings or your retirement plan funds to pay your current monthly bills?
12. Are you hiding the true costs from your spouse?
13. Maybe you don't know how much you owe and actually don't want to find out?

    You won’t find here any conversion rate that would determine if you have a credit problem. Even if you answered positively for several of these instances, you might still be able to deal with your credit problems on your own.
However it's far easier on families to seek help sooner rather than later, so before all troubles, together, hit you like a ton of bricks.
    It’s essential to make careful analysis of your family's personal finances: how much you owe, how much you have saved, how much you have coming in each month, and how much you need to pay off your balance. Such analysis will help you see how much trouble you're in, what kind of troubles those are, and how much help you need.
Many people only need to recognize own problems and to get organized. This might seem easy, but it’s still left neglected too often. The reason can be simple or even trivial: this might be the lack of time. If you don’t make your family’s finances organized, because of any reason, better make a trip to a credit counselor.