True, one would say, "do I really need the help of these companies! Well, you would be the one that holds the last word! If the symptoms coincide with a person who's on the verge of "falling off," then, perhaps, it's an idea worth checking into.

     They symtoms of a person that would need to give it a second thought are not necessarily a secret. Overall, I'd say, if it makes you feel uncomfortable each time you have to pay a credit card, that may be a symtom in itself! If you find that you have to spend more time in looking at the balances, or not in agreement at the "first look" you may be in the beginning stages. If you are paying credit cards right at the end of the grace period or only paying the minimum that is a sign as well. Of all the signs of something changing, if you have viewed the numbers on the back of your credit card statement, you may agree. The future state that it says you will have a zero balance if you continue to pay the amount you are paying.    With that in mind, that could be one of the questions you could answer the rep from the debt relief company as you are talking to them!