Are you Heading for Serious Debt Problems?

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