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My debt is over $5000 not including a car or house.

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I am frequently late on payments.

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I buy necessary items like food or clothing, on credit.

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I am thinking about getting a loan to pay other loans.

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Collection agencies are calling me.

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I make payments, but my balances don't go down.

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Payments are over 1 month behind on more than one bill.

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I can't afford car insurance.

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We are getting divorced and have too many bills to pay.

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There is a wage garnishment on my check.

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My car is worth much less than I owe.

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My payments are over 25% of my take home pay.

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I pay 20% interest on my debt.

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I frequently get cash advances.

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Someone has filed a lawsuit against me.

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I am "robbing Peter to pay Paul."

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I have been turned down for more credit.

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My drivers license is suspended because of an accident.

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My mortgage or rent is always late.

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I have high medical bills that weren't paid by insurance.

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I owe income taxes I can't pay now.

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I have no savings.