Are your bills overdue? Are your creditors contacting you for payment?
Are only paying the minimum balance on your credit cards?
Do you take cash advances from your credit cards? Do you borrow money from family or friends to pay your 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 have to 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 having to make 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.
