Persistent problems paying debt and bills or over spending mean it may be time to call for help. Here are the warning signs -- and what to do about them.

"You know you need to seek help from a debt counseling when . . ."

It may sound like a clowning routine opener, but for lots of people it's definitely not a joking matter. Many who are weighed down with bills opt first for self-help, trimming back on spending and keeping a close eye on accounts. But much like dieting, some people have the willpower to shed a few pounds on their own while others require the help of a personal trainer. When do you need to call in a credit counseling?

Here are 15 instances that could indicate that your balances are getting the better of you and that money counseling might help.. locate an institution to consolidate department store card debt

Your charge card balances are rising while your income is decreasing.

You are only paying the absolute minimum required on your accounts, or maybe even less than the minimums.

You're juggling debt and bills. For example, you apply for another charge card and use cash advances from it to pay an existing card.

You have more charge cards than a successful gambler has poker chips

You are at or perilously near the limit on each of your credit cards.

You consistently charge more each month than you make in payments.

You are working overtime to keep up with your card payments.

You don't know how much you owe and really don't want to find out.

You have received phone calls or letters about delinquent bills payments.

You are using your credit card to buy necessities like food or gasoline.

Your credit cards are no longer used for the sake of convenience, but because you don't have money.

You are dipping into savings or your IRA to pay your monthly bills.

You are hiding the true cost of your purchases from your spouse.

You're playing the charge card game by signing up for every charge card that sends you an unsolicited offer.

You have just lost your job, or are fearful that you are about to, and are concerned about how you will pay all your debt & bills.

If you have the unfortunate circumstance of relating to these warning signs don't panic you have choices. Speak with a money counseling or debt & bills advisor, most will give you a free consultation and a quote. locate an institution to consolidate department store card bills