We deal with individuals and families facing hardship cases such as divorce, medical problems, loss of income/job/limited income, high interest rates, living paycheck to paycheck, etc. Credit card debt is a dangerous and growing problem. The average American family has approximately $10,000.00 in credit card debt and spends more than they earn on a annual basis. Credit cards can be useful tools when used properly, but more and more Americans are getting in over their heads and threatening their financial futures. It is important to realize that just because you can pay your minimum payments each month doesn’t mean you don’t have a credit problem. Low minimum payments only benefit the credit card company, not the consumer. The following are some of the warning signs that you have credit or debt problems.