| |
• |
Are you using
credit to meet monthly necessities? |
| |
• |
Do you rely on
your overdraft to meet your monthly obligations? |
| |
• |
Do you simply
pay the minimum monthly payment on your credit cards? |
| |
• |
Are you taking
out new loans to pay off other loans? |
| |
• |
Do you
constantly receive past-due notices on credit cards or
bills? |
| |
• |
Are your wages
being garnished? |
| |
• |
Are you afraid
to answer the phone? |
| |
• |
Do you spend 20%
or more of your take home pay on debt repayment? |
| |
• |
Do you use
credit cards out of necessity rather than convenience? |
| |
• |
Have creditors
threatened to sue or hired a collection agency to recover
outstanding balances? |
| |
• |
Are money
troubles causing problems in your family life? |
| |
• |
Are you
uncertain how much you owe in total? |
| |
• |
Do you have
trouble sleeping because you are worrying about debt? |
| |
• |
Are you paying
excessive interest because you don't pay bills on time? |
