The signals listed below will help you recognize whether you have a debt problem or you are going to have one:
You constantly exceed you credit limit or use your credit cards as a necessity rather than a convenience;
You always borrow money to make it from one payday to the next;
You pay only interest or service charges monthly and do not reduce your total debt over many months;
Creditors pressure you for payment, threaten to sue or repossess your car, furniture, computer, television, or hire a collection agency to recover the money for them;
Your wages have been garnisheed to pay your outstanding debts;
Some of your credit cards are already closed by your banks because you are in default of your payment obligations;
Utility companies cut off service because your bills have gone unpaid.
If one or more of these danger signals apply to you, it is a clear sign for you to take an action. You can contact us to book an appointment for a free consultation after which we will be able to offer you the best possible solution considering all the aspects of your specific situation.
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