Are creditors calling you at home or sending you letters demanding payment?

Yes

No

Are you borrowing money to pay old debts?

Yes

No

Do you and your spouse argue frequently about credit problems, or avoid discussing the subject altogether?

Yes

No

Review your monthly payments to creditors. Do they eat up more than 20 percent of your total take-home pay, not including rent or mortgage payments?

Yes

No

Have you received a threat of a lawsuit, garnishment or repossession from a creditor?

Yes

No

Are you paying only the minimum necessary on your credit card balances?

Yes

No

Are you depending on overtime, moonlighting, a Christmas bonus or lottery winnings to meet your routine expenses?

Yes

No

Are you making late payments or skipping some payments entirely for a month?

Yes

No