Are you always making arrangements with your creditors to catch up on missed payments?
Do you have overdue bills? Are your creditors constantly harassing you for payment?
Do you take cash advances from your credit cards?
Do you borrow money from family or friends to pay your living expenses?
Do you only pay the minimum balance on your credit cards?
Are your wages being garnished or your assets seized?
Do you often pay interest and service charges on your debts because you can't pay on time?
Do you spend more than 40% of your take home pay on your rent or mortgage, house maintenance and utilities in Fort McMurray?
Are bill collectors or collection agencies calling you at work for payment of your bills?
If you answered YES to any of these questions, you may have a debt problem or be heading for one.
