Lindsay Lohan has been hitting the party scene and doing no work. That's not a good recipe for long-term financial health, and the results show it.

"Lindsay owes credit card companies $600,000," a source says of the troubled (financially and otherwise) star. "One card cut her off last week."

"It's only a matter of time before the other [companies] do too."

Someone really needs to consolidate credit card debt. Seriously, the interest rates on those things are abominable. Just use one card, Lindsay. One.

Yet despite her lack of career and subsequent income, she hasn't cut back on her crazy lifestyle and is now over half a million dollars in the hole.

Lindsay Lohan better get used to Wal-Mart fashion like this dress.

Lohan used to be an actress, then she at least used make a good chunk of change by doing club appearances, but even those fees have dwindled.

Lohan's financial woes are nothing new. The celeb, who some feel will die if she does not get it together, was nearly evicted due to unpaid rent.

Fortunately, there are options.

"One credit card company is going to discuss a payment plan," the source adds. "They are prepared to sue her, but won't if she can make payments."

That's generally how it works, peeps. Credit counseling. Working fiscal wonders for delinquents all over the country, even (formerly) rich celebrity brats.