Here is a Consumer Credit Counseling Service debt test: Is your saving cushion inadequate or nonexistent? Are you using credit cards for items you used to buy with cash? Are you nearing the limit on your credit cards? Are you unsure about how much you owe? Is an increasing percent of your monthly income going to pay off debts? Are you only able to make minimum payments on your revolving credit cards? If you lost your job, would you be in immediate financial difficulty? Anyone who answer to two or more of these questions should consider getting help.