Some Qualifying Questions
- Do you use credit cards as a necessity rather than a convenience?
- Are payments on current debts only enough to cover interest and carrying charges rather than lowering the principal?
- Have your utilities been shut off due to lack of payment?
- Have your wages been garnished?
- Do you frequently obtain cash advances to make it to your next payday?
- Do you avoid answering the phone because you have creditors calling?
Not sure if Bankruptcy is for you? Here are other possible solutions.