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