Debt Test

Are you a good candidate for our debt program?

1. Do you live paycheck to paycheck?
 
2. Are you unaware or unsure of the total amount of debt you owe?
 
3. Have you paid late fees and/or over-the-limit charges at least twice in the past year?
 
4. Are your debt payments (other than your mortgage) more than 20% of your gross (before-tax) income?
 
5. Have you received phone calls from creditors about overdue bills more than once during the past six months?
 
6. Do you struggle to pay more than the minimum payment on your credit-card accounts?
 
7. Would you be unable to meet your financial obligations for three months following a decrease in income or a costly emergency purchase?
 
8. Are money problems causing distress or conflict at home and/or work?
 
9. Are you at or near your credit-card limit(s)?
 
10. Have you borrowed from one credit card or taken a cash advance to help pay off another credit card at least once in the past year?
 

Virtual Debt Consultation
  • Insights
  • Did you know....
  • It could take you over 18 years – and at least $31,000 in interest payments – to pay off a $10,000 debt on a card with a 19% rate, if you only pay the monthly minimum.
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