The moment you start to feel uncomfortable or overwhelmed about your financial situation – you should start considering debt solutions available to you. Many people wait until after they have already skipped monthly installments and creditors have initiated legal proceedings against them – before they look for help. Sadly, in most instances, this is too late. The sooner you see a debt counsellor to assess your level of over-indebtedness the better. Use this Calculator to check the state of your indebtedness for free.