Question Yes Are you near or at your credit limits and unable to pay more than the minimum payment? Would you say you live "paycheck-to-paycheck"? Are your debts making your personal life unhappy? Are you unsure of how long it will take to pay off your debts?? Do you borrow from one creditor to pay another? Are your interest rates above 8%? Have you started saving for your family's future? Are you receiving calls from your creditors demanding payments because your past due? Are you frequently charged over-the-limit and late-payment fees? Have you recently been turned down for a mortgage or auto loan? Are you considering bankruptcy?
Your Debt Quiz reads: If your debt quiz reads is higher than 2 or 3 you may benefit from a Debt Consolidation Loan or a Debt Management Program.
