_____ |
You
owe $5000 or more in debt which does not include
a home or automobile.. |
_____ |
You consistently
fail
to make monthly payments on time. |
_____ |
You often use
credit to buy necessities such as clothing and
groceries. |
_____ |
You are
frequently harassed or contacted by bill
collectors and collection agencies. |
_____ |
IYou can only
afford the minimum payments on your credit
cards. |
_____ |
You are involved
in an expensive divorce. |
_____ |
Your wages are
being garnished. |
_____ |
You owe more on
your car than it is worth. |