Are you Heading for Serious Debt Problems?

bulletAre you making only minimum payments on you credit cards?

bulletAre you having difficulty paying your monthly bills regularly and on time?

bulletAre you using your overdraft most months?

bulletAre you uncertain how much you owe in total?

bulletAre you using credit because you don't have the money for everyday expenses?

bulletDo arguments about money cause problems in your family?

bulletAre you charging more each month than you pay on credit?

bulletAre you over your borrowing limit on your credit cards, overdraft, or line of credit?

bulletAre credit collectors calling you?

bulletAre you considering consolidating your debts?

If you answered "yes" to any of these questions, you may be heading for debt problems.

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