Do you want to find out whether you need debt settlement or any other debt relief option? Are you not interested in getting in touch with some friendly debt relief expert who will be all sugar and sweetness just to take all your money away? Well, you can find the answer to your queries right here. Just answer the following questions and you will definitely find yourself in a position where you can conclude whether you need debt relief or not.

- When was the last time you borrowed money from a credit card to repay the credit card debt?
- When was last time you justified such a transaction saying that both the loan accounts charge the same interest rate and therefore you are not suffering any loss?
- When was the last time you had an asset in your hand that was completely yours to use without any worry of credit card or collection calls?
- When was the last time you had a bulk of your monthly income in your hand for the entire month? This does not include all those instances where you had a windfall profit or received a bonus or received money from sale of asset.
- Has it ever been possible for you to confidently conclude that your monthly expenses have come down?
- Do you know how much you pay in form of interest payments? Do you know what percentage it constitutes of your entire debt amount and your monthly income?

If you are complaining that all this information will be provided by financial experts, then you are wrong. Any person who's disciplined with finances will have all the information in his or her hands. You just have to be disciplined with your finances. If you are not, then you will need debt relief. You may not need it today as your condition may not be very bad yet. However, you will definitely need it in the future.

That is the reason why you should check out the various debt relief options and make sure you are prepared when the problem occur. And remember, if you are not disciplined, a financial crisis is just a day away. One emergency is sufficient to convert your steady life into a troublesome one.

Hence, do not presume that your problems will go away automatically. Debt problems are something that time cannot heal. It will get worse as time goes by.

If you are over $10k in unsecured debt it would be financially prudent for you to consider a debt settlement. There are organizations that exist called "Free Debt Relief Networks" that are a great place to start in locating legitimate debt settlement companies in your region. They provide free debt help and know where to locate the top performing debt settlement firms. To get free debt help check out the link below:Free Debt Advice