Most often, people get into debt in progressive stages. They start small and then get deeper into debt over a period of time. It is almost like addiction to alcohol. Before they know it, they find themselves inextricably caught in this quagmire, unable to get out of the mess that they find themselves in. Many people who are in deep debt would need professional help to set right their financial condition. If you would like to know whether you fit that category, here are a few ways to find out.