Some Qualifying Questions

• Do you use credit cards as a necessity rather than a convenience?
• Are payments on current debts only enough to cover interest and carrying charges rather than lowering the principal?
• Have your utilities been shut off due to lack of payment?
• Have your wages been garnished?
• Do you frequently obtain cash advances to make it to your next payday?
• Do you avoid answering the phone because you have creditors calling?

Not sure if Bankruptcy is for you? Here are other possible Solutions.