Find it impossible to reduce the balances on your credit cards? yes no Are you living paycheck to paycheck with no savings? yes no Argue about credit problems and bills with your family? yes no Pay only minimums on credit cards? yes no Do you have more than 2 major credit cards with balances on them? yes no Borrow from friends and relatives to cover basic expenses? yes no Use one credit card to pay for another? yes no Panic when faced with unexpected expenses? yes no Miss credit card and other payments? yes no Do you dread opening the mail because you know that bills are coming in that you won't be able to pay? yes no Hope that checks you've written don't clear the bank before payday? yes no Are you withdrawing from your savings to pay for everyday expenses? yes no Are you collectors or creditors calling you at home and place of work? yes no