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

"You know you need to get help from a credit counseling when . . ."

It may sound like a comedy routine opener, but for lots of people it's definitely not a joking matter. Many who are weighed down with debt and bills opt first for self-help, trimming back on spending and keeping a close eye on debts. 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 money counseling?

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

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

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

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

You have more 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 department store card payments.

You don't know how much your balance is and really don't want to find out.

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

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

Your 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 debt.

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

You're playing the credit card game by signing up for every department store 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 realizing you relate to the above signs don't panic you have options. Speak with a money counseling or debt & bills advisor, most will give you a free consultation and a quote. locate an institution to consolidate charge card debt