Take the Quiz!

Take the following quiz:
Are you:

• making only minimum payments on your credit cards?
• having difficulty paying your monthly bills regularly and on time?
• using your overdraft most months?
• using credit cards to pay for everyday expenses?
• uncertain how much money you owe?
• charging more each month than you pay on credit?
• getting calls from collectors wanting payments?
• over your borrowing limit on credit cards, overdrafts, or lines of credit?
• arguing with family members due to money problems?
• being garnished by a creditor?

If you answered “Yes” to any of these questions, you may be heading toward serious debt problems, and be in need of debt counselling/insolvency counselling to consolidate your debt or manage your finances.