You might be reading this article because you’ve acknowledged that debt has become a problem for you – if so, we suggest you contact StepChange Debt Charity (0800 138 1111 or use their online tool Debt Remedy) or one of the other providers of free, independent debt advice. There are things that can be done to bring most debt issues under control and although the medicine may not be that pleasant, you will feel much better than you do now, so it’ll be well worth the effort!
On the other hand, if you are still not sure if you should be worried about the money that you owe or not, it might help to think about whether you identify with a few of the symptoms suffered by our friends below. Health warning – this diagram is there to give an indication that debt might be an issue that you need to give serious consideration to resolving, it is not a foolproof diagnostic tool. If you are thinking you might need to take some action, take a look at How Can I Tackle My Debts.