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We hear from people each and every day who are, unfortunately, in serious debt. They've run up huge credit card debts of $20,000, $50,000, even $90,000!

And we can't tell you how many times we hear these folks say, "I don't know how we got into so much debt."

In truth, all the warning signs were there–they just didn't know what to look for or refused to see the warning signs. We don't EVER want this to happen to you. So let's look at eight signals that you could be headed for serious trouble.

Look closely at these warning signs and be honest with yourself. If any of these signs look familiar, we've got advice for you on how to stop the madness before it is out of control.

Next: Do you play the balance transfer game?