Debt Quiz
Wondering if you need help from one of our certified credit counselors?
Answer these ten easy questions honestly to help determine if you could benefit from our personalized programs.
| 1. Do you lie awake at night wondering how or if you will ever get out of debt? |
| 2. Do you dread opening the mail because you know that bills are coming in that you may not be able to pay? |
| 3. Are you living paycheck to paycheck with no savings? |
| 4. Do you wish you had personalized guidance that would help you better understand your debt relief? |
| 5. Do you have more than 2 major credit cards with balances on them? |
| 6. Do you ever feel stressed and argue with loved ones about the money you owe? |
| 7. Do you have to check the balances on your credit cards to see if you can use them? |
| 8. Are you paying only the minimum amount due on most of your credit cards? |
| 9. Are you borrowing from one card to pay another? |
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10. Are collectors or your creditors calling your Home and place of work? |
Scoring: Give yourself one point (1) for every "Yes" answer.
Results:
| 7 or more points: | Your financial health could be in trouble. You are someone who could benefit from speaking with one of our certified credit counselors to learn different options to get out of debt. The counseling sessions are free, and the information we provide to you is tailored to your particular circumstances and your particular financial situation. You will also learn about other related subjects which will help you learn how to avoid further debt accumulation.
With a score on the debt quiz of 7 or more, it is possible that our debt management/debt consolidation program (DMP) might be a viable option. A discussion with one of our credit counselors would determine this. If you do enroll on our DMP, you can benefit from the working agreements we have with virtually all creditors to lower your interest rates – and in some cases lower your monthly payments – so you can get out of debt more quickly. Our certified credit counselors will help you learn the best methods available to you so you can improve your situation. |
| 3-7 points: | Your financial health is at risk. You are someone who could benefit from speaking with one of our certified credit counselors to help you discover the options you have to get out of debt.
With this score, you are probably spending a lot of time worrying about your bills. You may be just barely making your minimum payments but don’t have much or any money left over to save for emergencies, or to enjoy life. Talk with one of our credit counselors to receive personalized information about how to forestall overwhelming debt. All of our advice and information is free, confidential, and tailored to your particular financial circumstances. Let us help you learn the best options to stabilize your financial situation. |
| 1-2 points: | Your financial health is stable. Keep up the good work! Still, if life throws you a curve you may not be prepared for it. If you ever have questions about a particular aspect of your financial situation, please call us for a no-cost counseling session. |
No matter what your score, if you are concerned or have questions about any topic relating to credit, debt or related topics, you are welcome to call us (toll-free) at 1-888-354-6332 or fill out our FREE Information Request Form online to receive education and support at no cost and at no obligation.
