It can be hard to know exactly when to get help with your debt, and many people wait until they are suffering calls from debt collectors, or seeing their wages garnished. It’s better, if possible, to try and deal with debt early, before these issues escalate. If you are in any way concerned about the amount of debt you hold, if your monthly debt payments are becoming burdensome or are a significant fraction of your monthly expenses, then it might be time to get some help. It’s never too late though, so if you are worried by debt collectors, lawsuits or wage garnishments, then you can still find help and relief.