1. Money runs out before payday.
2. You’re behind in payment of bills.
3. Interest is all you pay on bills.
4. Finance companies call about late payments.
5. You own a home and are deep in debt.
6. Your family is getting older and the cost of living is increasing.
7. You had a cut in hours or are laid off at work.
8. You get unemployment which is less than your normal pay.
9. You owe back income taxes or sales tax on a car.
10. You cannot pay your bills as they come due.
11. Your credit card use is out of control such that you cannot even make all the minimum monthly payments.
12. Medical bills can’t be paid.
13. You do not have enough money to pay a judgment against you.
