|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
|
In Trouble? Warning Signs Of Too Much Debt: If you answer "Yes" to any of these questions, you are probably already in financial trouble whether you realize it or not and need to find out what your options are. Don't be lulled into a false sense of security just because you're not late with any of your payments. You need to have a plan for the future, for emergencies, for quality of life. You are not financially fit just because you can pay your minimum payments each month. Low monthly minimum payments benefit the credit card company, they do benefit you. The "minimum amount due" is cleverly calculated to keep you trapped in debt for your entire adult life. Do you really want to spend the best years of your life in debt? 1. Your credit card balances are rising while your income is decreasing. 2. You are only paying the minimum amounts required on your accounts, or maybe even less than the minimums. 3. You're juggling bills. For example, you apply for another credit card and use cash advances from it to pay an existing card. 4. You have more credit cards than a successful gambler has poker chips. 5. You are at or perilously near the limit on each of your credit cards. 6. You consistently charge more each month than you make in payments. 7. You are working overtime to keep up with your credit card payments. 8. You don't know how much you owe and really don't want to find out. 9. You have received phone calls or letters about delinquent bill payments. 10. You are using your credit card to buy necessities like food or gasoline. 11. Your credit cards are no longer used for the sake of convenience, but because you don't have money. 12. You are dipping into savings or your IRA to pay your monthly bills. 13. You are hiding the true cost of your purchases from your spouse. 14. You're playing the card game by signing up for every credit card that sends you an unsolicited offer. 15. You have just lost your job, or are fearful that you are about to, and are concerned about how you will pay all your bills. Here's a telling question: Knowing what you know about your own situation, would you lend yourself more money? Is it time to find out what your options are? Call for a FREE Debt Consultation. |
|
|
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||