Are you always worried about money and is your family life being affected by arguments regarding money?

Are you behind on your credit card or loans?

Are creditors constantly hounding and harassing you for payment?

Are you only making minimum monthly payment on your debts?

Are you struggling to meet your rent or mortgage or car payment?

Are you always in overdraft?

Are you borrowing money from family or friends?

Any creditors have judgement against you?

Is your creditors garnishing your wage?

Are there threats of court action against you?