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Debt Quiz

Not sure if you need our help?

Take our Quick Debt Quiz and see if financial counseling is the path for you.

1. Are you behind with your rent/mortgage? Yes No
2. Are you behind on your car payment(s)? Yes No
3. Are your utilities paid in full each month? Yes No
4. Do you have enough savings set aside to cover 3 months of expenses in case of an emergency? Yes No
5. Are you saving any money at all each month, 401k included? Yes No
6. Do you only pay the minimum amount due on your credit cards each month? Minimum
More then Minimum
7. In the past 3 months how many late charges have you received? None 1-2
    3-4 5 or more
 
8. Are you getting collection calls from any of your creditors? Yes No
 
9. Have you recently overdrawn your checking account? Yes No
 
10. Do you find yourself writing checks before the money is in the account? Yes No
 
11. Are you afraid that co-workers or family members may find out about your debt? Yes No
 
12. Are you using you income to pay payments on your credit cards and using your credit cards to cover your living expenses? Yes No
 
13. Do you live on a budget or watch how much you spend in certain categories like food and entertainment? Budget No Budget
 
14. Have your credit card interest rates recently gone up? Yes No
 
15. Have you recently been denied credit? Yes No
 
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Take ADVANTAGE of your next 20 minutes and get the answers you need.
4 EASY ways to find help
 1.
 Call 877-BILL HELP (245-5435)
 2.
 Begin Online Today
 3.
 Schedule an Appointment
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FREQUENTLY ASKED QUESTIONS
  
 
What types of fees do you charge?
Will my credit cards be closed or cancelled?
Do I have to have a minimum amount of debt to be enrolled?
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