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?