Are creditors threatening lawsuits because of unpaid bills?
Yes.
No.

Are you only making the minimum monthly payment due on credit cards?
Yes.
No.

Do you charge small items to credit cards that you used to pay for in cash?
Yes.
No.

Have you elected to NOT carry health insurance?
Yes.
No.

Have you elected to NOT carry auto insurance?
Yes.
No.

Have you elected to NOT carry homeowners or renters insurance?
Yes.
No.

Do you worry about your financial situation or lose sleep because of it?
Yes.
No.

Are your wages being garnished or assigned?
Yes.
No.

Do you sometimes skip credit card payments in order to pay for food, shelter, or utilities?
Yes.
No.

Are you behind in paying for mortgage, rent, auto, or utilities?
Yes.
No.

Are you frequently late in paying bills or do you often incur late fees?
Yes.
No.

Are family relationships strained as a result of financial problems?
Yes.
No.

Do you borrow or transfer money in order to pay bills?
Yes.
No.

Do you know how much you owe in total outstanding debts?
Yes.
No.

Do you know what your total monthly payments are for all debts?
Yes.
No.

Have you seriously considered filing for bankruptcy?
Yes.
No.

Have you though about starting a debt consolidation plan?
Yes.
No.

Do you have an emergency fund to pay for unexpected bills?
Yes.
No.

Have you opened a home equity line of credit to pay for credit card or other bills?
Yes.
No.

Are your debts increasing and your income the same or decreasing?
Yes.
No.

Have you experienced, or are you in the process of, foreclosure or repossession?
Yes.
No.