A financial counselor can help you -- as an individual and as a family -- find solutions to current financial problems by working with you to create a budget and a plan for the future.
Consider what appropriate boundaries are. Maybe that means closing shared accounts, divesting yourself of shared financial responsibility, or not lending money to the addict.
Keep a close eye on your credit -- you're entitled to one free copy of your report each year -- because the sooner you notice any surprises on your credit report, such as a substantial debt increase or new accounts opened, the better. Negative comments in your credit report such as late or missed payments stick with you for up to seven years (bankruptcy sticks with you for up to 10 years).