• You have been denied approval for new credit or denied an increase spending limit on current credit cards.
• Your credit cards are all maxed out to the limits.
  
• You can only afford to pay the minimums on your credit cards.
  
• You use one credit card to pay off another card (or cards).
  
• You are receiving phone calls from creditors demanding payment.
  
• You must get a cosigner for loans that normally do not require such action.
  
• You take money out of savings or another interest-bearing account to help make ends meet.
  
• Your credit card bills are consistently higher than you think they should be.
  
• Bounce checks have become common.
  
• You have had your credit card unexpectedly declined when making a purchase and you did not realize your credit limit has been reached.
  
• Your savings account is getting smaller and smaller if you have one.
  
• You are living of your credit cards.
  
• You live paycheck to paycheck
• You spend more than 20% of your income on credit card bills, or more than 35% on debt in general.
  
• You have more than two or three credit cards and use them all to make ends meet.
  
• You frequently ask friends or family for assistance with bills.
  
• You have to work overtime or get a second job to cover all of your expenses.
  
• You use credit cards to pay for necessary items that you bought with cash in the past.
  
• Your debt load is rising while your income is decreasing.
  
• You depend on the float time between the writing of a check and when the money is taken out of your account.
  
• Your interest rate is alot higher than most peoples interest rates are.
  
• You frequently pay your bills late. If this is because you are juggling multiple debts.
  
• You find that it takes longer to pay off credit card balances than it did in the past
  
• You have thought about bankruptcy.

If you answered yes to any of these questions above you may consider using our debt consolidation program or alt least fill out an application and have one of our credit counselors explain to you how we can assist you in getting your debt under control.

Debt Consolidation Bullets