Here's a look at the three most common disorders. But those who really need help repeat the pattern over and over. Sit down at the start of each month, McCall says, and outline on paper how much you'll spend on everything. Then stick to it. Shop with a friend who will restrain you, and leave the plastic at home.
Many chronic debtors are in hock up to their eyeballs to credit card companies.
Others are entrepreneurs behind on their taxes, or regular joes who owe money to friends, relatives, even their doctors. They let bills slip into the garbage can, or stash them unopened in a drawer. And they often let the debts ruin relationships. After borrowing money from a friend, for example, they'll let the friendship lapse so they don't have to pay back the loan. Try debit cards instead.