Are You a Good Client for our Debt Program?

1. Does your paycheck leave the same day it is received? (Living Paycheck to Paycheck)

2. Do you have a firm grasp on how much your total unsecured debt is?

3. Have you been charged late fees and/or over-the-limit charges in the past year?

4. Are your debt payments (excluding mortgage) more than 20% of your gross (before-tax) income?

5. Have you received phone calls from creditors or collectors about past due bills during the past year?

6. Do you struggle to pay more than the minimum payment on your credit-card accounts?

7. Do you have an emergency fund for at least three months?

8. Are money issues a hot topic in your family and/or marital life?

9. Have you overdrawn your checking account in the last year?

10. Have you balanced transferred a credit card balance to another to lower you interest and/or taken a cash advance on a credit

If You answered "Yes" to three or more

You are in need of a consultation …