Identifying a Debt Problem

If any of the following statements apply to you, you may have a debt problem:

• I do not have savings because I exhaust my savings to pay for my debt.
• I only pay the minimum payment on my credit cards.
• I have been declined credit or declined a credit line increase.
• I hide bills and credit card statements from family members.
• I am dependent on credit cards to support my lifestyle.
• I get collection calls from creditors.
• I bounce checks.
• I am very near or over my current credit card limit.
• I float checks.
• I depend on cash advances.
• My credit cards have been declined.
• After I pay for my bills on credit cards, I get as much or more debt the next month.