Take Our Debt Test

 Do you lack a savings account or money for emergencies?

 Are you using credit cards to buy things you used to pay for with cash?

 Are one or more of your credit cards at or near the limit?

 Are you only able to make the minimum payment on your credit cards?

 Are you unsure about how much you owe?

 Are you using more money each month to pay off debts?

 Are you 30 days behind with any of your creditors?

 Do you argue with your spouse about money?

 If you lost your job would you have immediate financial problems?

 Do you use cash advances to pay other credit cards?

If you answered "yes" to two or more questions, you may highly benefit from financial counseling.