If you answer “yes” to any one of them, you are probably in or headed for serious debt trouble:
- Are your credit cards charged to the maximum?
- Do you use one credit card to pay another?
- Are you making only minimum payments on your credit cards while continuing to incur charges?
- Do you skip paying certain bills each month?
- Have creditors closed any accounts on you?
- Have you taken out a debt consolidation loan? Are you considering doing so?
- Have you borrowed money or used your credit cards to pay for groceries, utilities, or other necessities (for reasons other than to get perks on a credit card)?
- Have you bounced any checks?
- Are collection agencies calling and writing you?
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