Could You Benefit From Financial Counseling?

• Have you bounced a check more than once in the last 12 months?
• Do you know how much you owe to all your creditors at any given time?
• Excluding loans for your home and your car, have you borrowed money from multiple sources in the last 12 months?
• Have you been denied credit?
• Have you taken advantage of “skip-a-payment” offers more than once in the past 12 months?
• Is it difficult to pay your bills each month?
• Do you regularly pay bills after the due date?
• Has it been more than six months since you made a deposit to your savings account?
• Do you dread sitting down to review your finances?
• Do you have difficulty concentrating at work because of financial problems?
• Have you delayed receiving health or dental care because of the number of unpaid debts you already have?
• Do you have difficulty sleeping because of worries over finances?
• Have you used a payday lender?
• Do you use “courtesy pay” programs to cover checking account shortfalls on a regular basis (once every month, for example)?
• Do you regularly borrow money from friends and family to cover your monthly bills?
• Do you gamble or play the lottery in hopes of earning money to repay debts?
• When you call about advertised loan rates, are you told that you don’t qualify for special offers or low rates?
• Have you received calls from creditors or collection agencies in the past six months?
• Do you struggle to make the minimum payments on your credit cards?

​

Back