Take Our Test

My debt is more than my annual salary, not including car or home loans.
 My payments are over 25 percent of my take-home pay.
 I am frequently late on my payments.
 I buy necessary items like food, gas or clothing on credit.
 I am considering a loan to pay other loans or debts.
 My debts are increasing monthly.
 I frequently need cash advances or borrow from friends and relatives.
 I have medical bills over $5,000.
 I owe income taxes I am unable to pay.
 I am being sued.
 I pay 20 percent interest on most of my debt.
 Creditors are calling.
 I am "robbing Peter to pay Paul".
 I owe more on my car than it is worth.
 I can't afford car insurance.
 I have no savings.
 My wages are being garnished.
 I have been denied additional credit.
 My mortgage payments, or rent, is late, or behind.
 We are getting divorced and have too many bills to pay.
 Our financial difficulties are causing marital problems.

   
Credit Card Debt:
   
Do you have mortgage?  Yes   No
   
Are your mortgage payments Current or Behind
   
Do you feel Overwhelmed? Yes    No
Preferred appointment time? A.M. P.M.
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