Are you heading for serious debt problems?

1. Are you making only minimum payments on your credit cards?
2. Are you having difficulty paying your monthly bills regularly and on time?
3. Are you using your overdraft most months?
4. Are you using credit because you don't have the money for everyday expenses?
5. Are you uncertain how much you owe in total?
6. Do arguments about money cause problems in your family?
7. Are you charging more each month than you pay on credit?
8. Are you over your borrowing limit on your credit cards, overdraft, or line of credit?
9. Are credit collectors calling you?
10. Are you considering consolidating your debts?

If you answered "yes" to any of these questions, you may be heading for debt problems. Create a plan to resolve the situation or contact an insolvency professional for assistance.

If you have any questions, please do not hesitate to contact any of our offices.