You start to make mortgage repayments, or pay daily living expenses, with your credit card

You are on your second mobile-phone provider

You have three credit cards and have applied for a fourth

Your pay goes to debt repayments and there's nothing left for food

You keep receiving late payment or reminder notices

You dont want to check the mail for fear of finding another bill

None of your family or friends will lend you any more money

You are still paying off your credit card spending from last Christmas

Worse, you are still paying off the holiday you had two years ago

A sheriff came to the door and served you with some legal document

You now catching the bus because you can't afford petrol for the car