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MSN MoneyYou know you need to seek help from a credit counselor when . . .

It may sound like a comedy-routine opener, but for lots of people, it's definitely not a laughing matter.

Many who are weighed down with debt opt first for self-help, trimming back on spending and keeping a close eye on accounts. But much like losing weight, some people have the willpower to shed a few pounds on their own, while others require the help of a personal trainer.

Download the full article: 15 signs of serious debt trouble

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