1) Are your debts making your home life unhappy?
Yes
no
Sometimes
2) Are you at or near your credit card limits?
Yes
no
Sometimes
3) Do you have a savings account?
Yes
no
4) Do you have enougth money set aside to pay for 3 month of expenses if you had an emergency?
Yes
no
close to 3 month
5) Do you generally pay only the minumun due on credit card and/or loan balances?
Yes
no
Sometimes
6) Do you ever make unrealistic promises to your creditors?
Yes
no
Sometimes
7) Do you ever think of borrowing money to pay off your debts?
Yes
no
Sometimes
8) Do creditors call you regarding late payments?
Yes
no
Sometimes
9) Do you fear your employer, family, or friends will find out the magnitude of your debt?
Yes
no
Sometimes
10) Do you ever borrow money without giving sufficient thought to the interest rates you will have to pay?
Yes
no
Sometimes
11) Do you ever compose a strict plan for paying off your creditors, only to break it under pressure?
Yes
no
Sometimes
12) Have you ever taken cash advances from one credit card to make payments on other credit cards?
Yes
no
Sometimes
13) What is your current debt to income ratio? (To calculate your debt income ratio, take your total monthly take-home pay and substract your total monthly debt).
20% or less
21% - 49%
50% or more