Understanding if you may have a problem with your debts is the first step in taking action to get help. Too many families and individuals today are struggling with their debts and not even aware that they may have a debt problem. Below are some signs that you might be in need of assistance;

Are you overwhelmed by your bills? Do you find yourself struggling to make the minimum payments on your credit card accounts every month? Do you experience anxiety when you check your mail because have bills coming you know you can not pay? Do you currently have so many debt accounts that you're beginning to lose track of them? Are you currently being harassed by collection agencies over debts you have not paid? Have you currently lost your job or experienced an emergency that has caused you to spend most of your savings? Are you currently paying credit card bills with other credit cards? Are you living paycheck to paycheck with a minimal amount of savings in case of an emergency?

If you've answered yes to any of the questions above, you may have a debt problem. Many people are hesitant to admit that they might have a problem, but admitting that is the first step in getting help.

Kimberly Credit was established to help consumers with high amounts of unsecured debts consolidate those debts into one, reduced monthly payment. We have counselors on staff certified by the National Institute for Financial Counseling Education ready to assist you in getting out of debt. We offer our application form on a no fee, no obligation basis.