How do you know when you have taken too much debt?

Having debt is ok as long as you can manage it and able to settle it without jeopardizing your current financial situation and most importantly make sure you are not going to go broke by being in debt. In this article I want to share my view on the subject of debt and what are the indication if someone has been taking too much debt or otherwise. Here are the indications:

a) Missing the payments: whether in paying the bills or debt or mortgage...
b) Unable to pay the agreed amount or paying less than the agreed amount.
c) Paying the minimum due as in case of credit card or similar.
d) Maximizing your credit limit on the credit card.
e) The need to borrow more money to settle the old debt commitments.
f) Not able to handle a minor financial emergencies
g) Trying to avoid calls from creditors.
h) You are confused and always wondering how on earth you are going to get out of this mess (too much debt).

If the above more or less reflect your current financial then you better get some expert advice fast or start figuring out how to manage your current situation before it too late.