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Please take a moment
and review the following questions to help determine your current
financial status. Make a note of how many times you answer "yes"
to the following questions.
1) Are you at
or near your credit card limits?
2) Do you generally
pay only the minimum due on credit card and/or loan balances?
3) Have you
ever taken cash advances from one credit card to make payments on
another credit card?
4) Do you have
less than 3 months of expenses set aside for an emergency?
5) Do you have
less than $500 in a savings account?
6) Do you ever
make promises to your creditors that you just can't keep?
7) Do you ever
think of borrowing more money to pay off your debts?
8) Do creditors
often contact you regarding late payments?
9) Are your
debts causing stress in your home life?
10) Do you fear
your employer, family, or friends will find out the magnitude of
your debt?
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