If you answer "yes" to any of these questions, you could be headed into deep doo-doo.

1. Do you find yourself using your credit card or line of credit to meet basic expenses month after month?


2. Do you write checks for amounts greater that your account balance because you expect to make a deposit to cover them later?


3. Do you buy items with your credit cards that you wouldn't buy if you had to pay with cash?


4. Do you open new credit card accounts when your existing accounts are at their limits?


5. Do you borrow money from co-workers, friends, family - anyone who's willing to lend it?


6. Do you sometimes worry that you'll not have enough money to pay your bills?


7. Do you lie about what you bought or how much you spent on an item?


8. Have you ever taken cash advances on one card to pay the minimum balance on another?


9. Do you continually go over your spending limit or you use your credit cards as a necessity rather than a convenience?


10. Have you been called by a collection agency?