Too many people never sit down and create a budget or use a personal finance program.
  When that happens they often find themselves in financial trouble and then those red flags start popping up.
  Chattanooga Bankruptcy Attorney Carol Carter.

     1. You are 60 days or more behind on your credit card payment, mortgage, or other important bills.
     2. You use your credit cards to pay for essential things such as food and you use one credit card to pay another.  
     3. If you are barely staying afloat as you pay only the minimum required.  
   4. You've done the numbers and you have realized that it would take more than five years to pay off unsecured creditors.