Financial Danger Test

If you live in the (519) area code call 310John and we can help you sort through your debt issues.

If you answer yes to any of the questions below, you have, or may be heading towards having a financial problem:

• Are you borrowing from payday loan companies on a regular basis?
• Are your utilities threatening to shut off the utilities?
• Have you had any assets repossessed because you couldn't afford them?
• Are your wages being garnished?
• Do your debt worries keep you awake at night?
• Is an increasing percentage of your income going to pay off debt?
• Is debt accumulated on a monthly basis on credit lines?
• Are you unsure of how much you owe in total?
• Are your credit cards at their limits?
• Have your savings been used up to meet debt payments?
• Do you collect cash from friends in a restaurant and pay by credit card?
• Do you hide credit card purchases from family members?
• Are your credit cards used to pay for everyday household items?
• Can you only make minimum monthly payments or less on your credit cards?
• Does the total amount you owe increase form month to month?
• Do you borrow from one card to pay off another card?
• Are you constantly trying to increase your credit limits?
• Do you frequently post-date cheques so they won’t bounce?
• Are you receiving phone calls or letters of harassment form creditors?
• Are money problems causing arguments at home?
• Do you rely on overtime hours to pay daily living expenses?
• Is more than 20% of net income going to consumer debt?
• Do instalment payments last longer than the product?