Free Debt Analysis     (888) 986-9939

CALL US TOLL FREE

Debt Relief Help: When Is It Time to Get Some?

By: Michael Millington

One of the biggest problems people face when it comes to debt is identifying the need for help. Whether it has to do with inherent hubris or an overwhelming sense of embarrassment, many who suffer with debt do little to nothing to reach out for help. It’s a crippling issue that can result in many negative outcomes for the debt holder. However, for every individual who doesn’t want to look for debt relief help, there are 50 others who have debt but have no idea they need help. Here we will discuss how you can identify telling signs that you need debt relief help.

Signs You Need Debt Relief Help

Your Income Isn’t Handling Your Debt

One obvious sign that you are in need of some debt relief help is your income. Generally speaking, your income should be much more than your debt. This means that your monthly intake should be more than what you pay towards your debt on a monthly basis. If your debt eclipses your income amount, you have a problem. One of the better ways to get rid of debt is to aggressively pay it off. This is not possible if your debt keeps out weighing your earned funds.

You’ve Fallen Behind on Bill Payments

Credit cards, utilities, and medical bills can wreak havoc on your finances if handled poorly. However, not everyone handles them at all. When other things happen to get in the way of paying bills, it can alter your priorities. While you can’t be faulted for making hard choices (choosing the purchase of groceries over paying a credit card off), this is still a clear sign that you have to seek professional debt relief help. No one should have to choose between paying bills and feeding themselves.

You’ve Been Receiving Collection Calls

There is no timeline for a lender to start making collection calls (as long as you owe money). But the collection calls can be intrusive, annoying and embarrassing, no matter when they begin. But if you do start receiving collection calls, then you should know that you’re reaching dire straits. If you feel like your back is against the financial wall, you should seek debt relief help as soon as possible.

Privacy Policy |  Terms of Use |  Contact Us
© 2024 Guardian Debt Relief. All rights reserved.
Calls with the company may be monitored and recorded for quality assurance and training purposes.
Completing a form on this site does not enroll you into a debt relief program. If you do enter into a debt relief program with Guardian, your program may last 24 to 48 months. Clients who are enrolled in a debt relief program may realize savings at the completion of the program including applicable fees. These figures are based on enrolled unsecured debts, and may vary depending on your individual debt relief program. Completion rate of the program is not guaranteed, and is based on the client’s ability to make timely monthly payments. There is no guarantee that we will lower your debt by either amount or percentage, or that you will be debt-free at any set time. We do not make monthly payments to creditors, take on consumer debt, nor do we provide credit repair services, or bankruptcy, tax, legal, or accounting advice. Contact a tax professional for tax advice and consequences of debt relief. Contact a lawyer to discuss bankruptcy options. Our debt relief services are not available in all states. Depending on your location, we may be able to recommend tax professionals or attorneys to assist you. Any use of the term “debt-free” or “debt freedom” on this site or by any Guardian representative, refers only to unsecured debt enrolled in our debt relief program—and does not relate to or promise any relief from secured debt and/or unsecured debt not enrolled in a debt relief program. Please understand the benefits and consequences of enrolling in any debt relief program, including potential negative credit rating impacts.
Lifeline Debt Relief, Inc. d/b/a Guardian Debt Relief.
Navigation