If three or more of the following apply to you, you should consult a bankruptcy attorney now. If more than five of the following apply to you, you probably should have seen one months ago! See also our other page Bankruptcy Alternatives.
_____ My debt is over $5000 not including a car or house.
_____ I am frequently late on payments.
_____ I buy necessary items like food or clothing, on credit.
_____ I am thinking about getting a loan to pay other loans.
_____ Collection agencies are calling me.
_____ I make payments, but my balances don’t go down.
_____ Payments are over 1 month behind on more than one bill.
_____ I can’t afford car insurance.
_____ We are getting divorced and have too many bills to pay.
_____ There is a wage garnishment on my check.
_____ My car is worth much less than I owe.
_____ My payments are over 25% of my take home pay.
_____ I pay 20% interest on my debt.
_____ I frequently get cash advances.
_____ Someone has filed a lawsuit against me.
_____ I am “robbing Peter to pay Paul.”
_____ I have been turned down for more credit.
_____ My drivers license is suspended because of an accident.
_____ My mortgage or rent is always late.
_____ I have high medical bills that weren’t paid by insurance.
_____ I owe income taxes I can’t pay now.
_____ I have no savings.