A: There are several signs that you may need help with your finances, Including:

Juggling your bills from paycheck to paycheck and not being able to pay them all at one time;

Getting late payment reminders in the mail from your creditors;

Getting telephone calls from bill collectors. This usually means that  the person or company you originally owed money to has givien up trying to collect the debt and has given up trying to collect the debt and has turned the account over to a collection agency.