Please answer the following questions honestly.
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 have more than 2 major credit cards with balances on them?
5. Do you ever feel stressed and argue with loved ones about the money you owe?
6. Do you have to check the balances on your credit cards to see if you can use them?
7. Are you paying only the minimum amount due on most of your credit cards?
8. Are you falling behind in your payments or late in paying your bills?
9. Are you borrowing from one card to pay another?
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: Please call us today. Your financial health is in trouble. We can help you learn to help yourself and become debt-free and learn to live in financial freedom. Our Certified Counselors can teach you simple ways to gain control of your spending and to curb future debting. You may be a likely candidate to enroll in our debt consolidation Debt Management Program. If so, we have working agreements with virtually all creditors to lower your interest rates and in some cases lower your monthly payments, so you can get out of debt quickly. Call us today (toll free) 1.888.354.6332, or fill out our FREE Information Request Form online. There is no obligation. You came to our web site for a reason. Now, let us help you.
3-7 points: Your financial health is at risk. You are spending a lot of time worrying and thinking about your bills. You are probably barely making your minimum payments but don’t have much or any money left over to save or enjoy life. Let our Certified Credit Counselors give you a helping hand. You will begin to learn the skills you need to get control of your debt rather than having it control you. You will learn if you would be a good candidate for our debt consolidation Debt Management Program, paying one low monthly payment and having your interest rates reduced significantly. Find out how now.
1-2 points: You are doing OK right now. Keep up the good work. Still, if life throws you a curve you may not be prepared for it. If you ever feel you need some assistance, or have questions about a particular aspect of your financial situation, please call us for a no-cost counseling session. If you are concerned you may not be able to continue on your current path, you are welcome to fill out our FREE Information Request Form online to find out if we can make paying your bills easier for you and less expensive. Please don't wait until your bills are out of control. At the very least we’ll be able to provide you with education and support as you continue your efforts to pay down your debt.
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