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Are your creditors constantly contacting you for
payment of overdue bills? |
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Are you always paying only the minimum balance on your
credit cards? |
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Do you take cash advances from your credit cards or
borrow money from family or friends to pay your regular monthly
living expenses? |
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Are your wages being garnished or your assets seized? |
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Are bill collectors or collection agencies calling you
at work for payment of your bills? |
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Do you constantly pay interest and service charges on
all your debts because you can't pay on time? |
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Do you spend more than 40% of your take home pay on
your rent or mortgage, house maintenance and utilities? |
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Are you always making arrangements with your creditors
to catch up on missed payments? |
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If you answered YES to any of these
questions, you may have a debt problem or be heading for one |
