***If three or more of the following apply to you, you should see a bankruptcy lawyer now.
***If more than 5 of the following apply to you, you should have already seen us 3 months ago!!!
_____My debt is over $5000 not including a car or house.
_____My payments are over 25% of my take home pay.
_____I am frequently late on my payments.
_____I pay 20% interest on my debt.
_____I buy necessary items like food or clothing on credit.
_____I frequently get cash advances.
_____I am thinking about getting a loan to pay other loans.
_____Someone has filed a lawsuit against me.
_____Collection agencies are calling me.
_____I am "robbing Peter to pay Paul."
_____My balances are not going down even though I make payments.
_____I have been turned down for more credit.
_____Payments are more than 1 month behind on more than one bill.
_____My driver’s license is suspended because of an accident.
_____I can't afford car insurance.
_____My mortgage or rent is always late, or is behind.
_____We are getting divorced and have too many bills to pay.
_____I have medical bills over $5000 that are not insured.
_____There is a garnishment or wage assignment on my check.
_____I owe income taxes I can't pay now.
_____My car is worth much less than I owe.
_____I have no savings.
If none of these apply to you, congratulations!! You are living the American Dream.
