If you think that you may have a debt problem,
take a few seconds to answer the questions below:

1. Are you using more and more of your income to pay your debts?

2. Do you make only the minimum payments due on your loans and credit cards each month?

3. Are you near, at, or over the credit limit on your credit cards?

4. Are you paying your bills with money intended for other things?

5. Are you borrowing money or using credit cards to pay for things you used to buy with cash?

6. Do you often pay your bills late?

7. Are you dipping into your savings to pay current bills?

8. Do you put off visits to the dentist or doctor because you can't afford them?

9. Has a collection agency called recently about overdue bills?

10. Are you working overtime or a second job to make ends meet?

11. If you or your spouse lost your jobs, would you be in financial trouble right away?

12. Do you often worry about money?