Warning signs can include regularly using credit for essentials, missing payments, paying only minimum amounts, relying on an overdraft, or avoiding bills and account statements. Feeling persistent worry, losing sleep, or hiding money problems from people close to you can also suggest that debt is affecting your wellbeing. Act early by listing what you owe and contacting lenders before payments become unmanageable. Free, confidential help is available from MoneyHelper, StepChange or Citizens Advice, and they can explain options based on your circumstances.