When you have a lawsuit filed against you for debt.

 When a debt collection law firm contacts you.

 When you have missed a court hearing.

 When your bank account has been frozen.

 When your wages are being garnished.

 When you need help in a debt settlement.

 When you notice a suspicious account or judgment in your credit report.

 When you fail to receive notice of a court date.

 When you receive constant calls from a debt collector at odd hours of the day.

When your friend, family, or someone from your workplace has received a call pertaining to your debt.

 When a debt collector threatens you or deceives you in any way.