4 Pillars Victoria is here to help you if you are having a debt problem. However, the first step in overcoming a debt problem is to admit that you have one. There are several signs that indicate that you have a debt problem.
You are Making the Minimum Payment
The minimum payment is all that a lender or credit card company requires of you. However, if you are never able to make more than the minimum payment, then this is a sign that you have a debt problem that needs to be addressed. You could spend the next several years paying off your debt if you just make the minimum payment.
You do not Know How Much You Owe
If you do not know your total debt balance, then it is time for you to seek professional help. This is a sign that you may be trying to hide from your financial problems.
Your Minimum Payments are Large
Credit card companies may start increasing your minimum payment as your balance grows. You should not be spending more than 20 percent of your monthly income on your debts. If your minimum payments are large, then it is time for you to talk to 4 Pillars Victoria.
You are Unable to pay Your Bills on Time
If you are unable to pay your bills on time, then you will need to talk to a debt consultant. You have likely gone over your budget. Ignoring your bills will make the problem worse. You will have to pay late fees. You will also have to pay more interest.
Collection Activity
Lenders and credit card companies will begin collection activity if you miss more than two payments. If you are already dealing with collection agencies, then you will need to contact debt consultants.
Call 4 Pillars Debt Consultants if you are having debt problems.
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