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.

Contact our credit counselors with any other 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?

Results?