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Debt Test

Are you a good candidate for our debt program?
1. Do you live paycheck to paycheck?
  yes no
   
2. Are you unaware or unsure of the total amount of debt you owe?
  yes no
   
3. Have you paid late fees and/or over-the-limit charges at least twice in the past year?
  yes no
   
4. Are your debt payments (other than your mortgage) more than 20% of your gross (before-tax) income?
  yes no
   
5. Have you received phone calls from creditors about overdue bills more than once during the past six months?
  yes no
   
6. Do you struggle to pay more than the minimum payment on your credit-card accounts?
  yes no
   
7. Would you be unable to meet your financial obligations for three months following a decrease in income or a costly emergency purchase?
  yes no
   
8. Are money problems causing distress or conflict at home and/or work?
  yes no
   
9. Are you at or near your credit-card limit(s)?
  yes no
   
10. Have you borrowed from one credit card or taken a cash advance to help pay off another credit card at least once in the past year?
  yes no

If three or more are checked "yes":
The bad news is that you are probably past the point where you can handle this on your own. The good news is that you may be a great candidate for our program. Please click here to find out if you qualify.

If less than three are checked "no":
Your financial problems may not be as bad as you think. You may be able to handle this on your own. If you would like to find out more, please click here for a no-obligation consultation with one of our trained debt consultants.

Disclaimer: Debt Shield, Inc. does not provide legal, tax or investment advice. Debt Shield, Inc. does not assist in the repair, modification, improvement, extension or correction of credit entries or reporting.