• Are you using credit to pay for items that used to be handled by cash?
  • Are you taking out consolidation loans to pay off old bills?
  • Are you stuck in your overdraft and never able to get out?
  • Are you putting bills off until the second notice?
  • Are you paying only the minimum due on your charge cards?
  • Do you and your spouse regularly argue over money?
  • Are you paying more than 20% of your take-home pay per month on installment debts, not including mortgage?
  • Are you receiving disturbing telephone calls from creditors?
  • Are you feeling very stressed because of your financial situation?
  • Do you feel that you could and should be managing better, but can never quite make ends meet?
  • Do you regularly take out cash advances on your credit card in order to pay for everyday living expenses?
  • Has your overall debt load been increasing over the years?
  • Do expenses like car repairs and Christmas gifts cause a small financial crisis for you?

If you have answered "yes" to any of the above, you may need help with money or debt management.
Please see "How We Can Help"


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