Are you in financial trouble?
Take the CCCS Debt Test.
 
 
Yes No Question:
    Is your savings cushion inadequate or nonexistent?
    Are you using credit cards for items you used to buy with cash?
    Are you at or nearing the limit on your credit cards?
    Are you unsure about how much you owe?
    Is an increasing percentage of you monthly income going to pay off debts?
    Are you only able to make the minimum payments on your revolving credit cards?
    If you lost your job, would you be in immediate financial difficulty?

Are you in trouble? If you answered yes to two or more of these questions, call now!  Give CCCS a chance to help you solve your financial problems.  Because debt problems often develop over time, you may not realize you are in serious trouble until it's too late.  Getting help early is the first step toward financial freedom.  For the phone number of the CCCS office nearest you, call 1-888-260-2227 or consult your white pages under Consumer Credit Counseling Service.

Copyright National Foundation for Consumer Credit 1994.