Signs that Debt Consolidation is Necessary One of the biggest signs that debt consolidation is necessary is that you are no longer able to pay your bills.
This means that your credit card debt has literally got out of control and the flip side is that the residential living bills will have to suffer in order for you to pay revolving debt issues.
How insane does that sound and this will be putting yourself and your family at risk for either a downgrade or a drastic reduction in your residential present-day living conditions or at the very least scratching out every pleasant and very beneficial family fun activity such as movie and/or dinner night.
Quick Checkup Once your inability to pay the monthly-minimized revolving credit card debt starts to ease over into the residential living bill paying structure then it is time to think about debt consolidation.
We have gathered together some of the basic signs that will alert you to the fact that debt consolidation is more than just a want but is a necessity and have listed them below.
Please have a quick look and if you see one that reminds you of your present situation or one that seems a likely candidate for next month's economic situation then by all means contact a debt consolidation professional right away.
The debt consolidation professional won't charge you anything to talk to you and if they do try to twist your arm into immediately accepting some type of contract right away then bid them a nice day and carry on to the next one.
A free consultation is the least that they should offer you in addition to being honest and ethical about everything that the communication entails.

• Inability to Pay Monthly-Minimum Credit Card Payments
• No Means to Pay off the Entire Balance
• Existing Credit Card Debt Is Larger Than Your Take-Home Pay for the Month
• Bartender at Favorite Watering-hole says Credit Card Declined

All of the above signs are little gentle reminders and not so gentle reminders that you need to do something about your consumer debt right away.
If you notice any of these signs in your daily existence please think about a debt consolidation loan.
If not for yourself and if not for your spouse then for the future of your loved ones that will be straddled with your debt long after you are gone.
This is of course for those who do not have life insurance and for that we would need to write another article about the responsibilities of parents and married persons for the future of their beloved and loved ones.
Debt Consolidation Resources