Are your monthly payments more than 20% of your take-home pay, not including rent or mortgage?
yes no

Are you using savings for daily expenses?
yes no

Are you borrowing money to pay off old debts?
yes no

Are you using cash advances from credit cards to pay other bills or meet daily expenses?
yes no

Are you paying the minimum due (or less) on your bills?
yes no

Do you miss some bill payments, pay late, or pay some bills this month and others the next month?
yes no

Are you receiving calls or letters about not paying bills on time?
yes no

Do money problems create arguments or disagreements in your household or do you avoid discussing finances altogether?
yes no

Have creditors warned you of legal action, repossession or garnishment of wages?
yes no