Are debts causing arguments at home or making your home life unhappy?
a)
b)
c)
Have you reached or exceeded the maximum credit limits on your credit cards?
a)
b)
c)
Do you have any money in savings?
a)
b)
c)
Would you have enough money to cover 3 months of expenses if you had an emergency?
a)
b)
c)
Do you only pay the minimum amounts due on your credit card bills?
a)
b)
c)
Have you ever made unrealistic payment promises to creditors?
a)
b)
c)
Have you asked to borrow money to pay your debts off?
a)
b)
c)
Are creditors/collectors calling you regarding late payments?
a)
b)
c)
Do you worry your employer/family/friends will find out about your debt problems?
a)
b)
c)
Do you take out loans or buy on credit without consideration for the interest you will have to pay?
a)
b)
c)
Have you ever made a plan to pay off your debts, only to break it because the money gets used on expenses?
a)
b)
c)
Have you ever taken out cash advances or payday loans to make the payments on your credit cards?
a)
b)
c)
What is your debt-to-income ratio? (Divide total monthly debt payments by your total take-home income.)
a)
b)
c)
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