After you pay your credit card bill, you increase your balance by the same amount (or more) the following month. You’re at or near your credit limit on your credit cards.  A term referred to as being "maxed out" You write a check hoping that you have enough time to make a deposit before it clears.  Often leading to many bounced checks and a further loss of money.You’re afraid to look at your statements each month.  With the fear that you may not be able to pay what is owed, at the minimum.On the same token, you have no idea how much you owe.  Because you are no longer bothered looking at the balance just the minimum payment.You take out cash advances on your credit card to pay other bills. A term referred to as "robbing Peter to pay Paul".You’ve been denied credit. Which implies you are a credit junkie.You’ve bounced checks.  You lose sleep thinking about your debt.  Which is both very physically and mentally unhealthy.Your debt is putting an added stress on your marriage. This is very common and one of the leading causes of divorce is financial problems.If you lost your job, you would have no ability to make your bills.  Living life on the financial edge, a sure sign that getting out of debt as soon as possible is necessary.

 The reaons listed above make debt settlement programs very attractive.