Warning Signs It's hard to admit when you're having a problem with debt.This is natural.Debt can be painful.Here are some things that might indicate you're headed for trouble:   • Next month's bills are here before you've paid last month's • You get frustrated when you start to write checks • There are more bills than you thought • You know what past-due notices look like • You get an overdue balance on a credit card statement • You avoid opening letters or answering calls • You rarely keep a running balance in your checkbook   Back to Top | Next (What is debt load?)