If you think that you may have a debt problem, take a few moments to answer the following questions:

1.   Are you receiving letters or phone calls from your creditors?
      Yes   No

2.   Do you take cash advances on one credit card to pay another?
      Yes   No

3.   Are your financial troubles affecting your work or family life?
      Yes   No

4.   Are you making only minimum payments on your credit cards?
      Yes   No

5.   Do you rely on credit for everyday living expenses?
      Yes   No

6.   Do you find it difficult to keep your utilities up to date?
      Yes   No

7.   Are you thinking about borrowing money to consolidate your debts?
      Yes   No

8.   Do you have trouble preparing and sticking to a budget?
      Yes   No

9.   Are you neglecting to buy proper food and necessities in order to make ends meet?
      Yes   No

10.   Are your financial worries keeping you awake at night?
      Yes   No

Debt problems usually develop over time. You may not realize that you are in serious trouble until it is too late.

If you answered yes to any of these questions, contact your nearest Credit Counselling Canada Member Agency for a confidential credit counselling session.

Credit Counselling Canada Is A Not-For Profit Organization.