Do these apply to you?

Struggling with debt and are wondering if you need help with debt management and repayment, read through the questions below.

1

Frequent Calls

Do creditors frequently contact you about repaying overdue bills?
2

Paying Minimums

Do you only pay the minimum balance on your monthly credit card bills?
3

Transferring Debt

Do you use one credit card to pay off the balance on another credit card?
4

Advances

Do you take cash advances on your credit card?
5

Borrowing

Do you borrow money from friends or family to make ends meet?
6

Pay Day Loans

Do you turn to payday loan collectors to get advances on your paycheques?
7

Only Paying Interest

Do you constantly pay interest and service charges on your credit cards because you cannot pay the balances on time?
8

Extraneous Expenses

Do you spend more than 40% of your income on everyday expenses like electricity, phone, cable, rent, etc.?
9

Unpaid Bills

Are you having trouble paying for the everyday expenses that are mentioned above?
10

Check Hold-Up

Do you frequently contact people and ask them to delay cashing your cheques?
11

Arrangements

Do you frequently speak to your creditors to arrange to catch up on missed payments?

Debt Problem?

If you answered yes to any of the above debt management questions, you might have a debt problem. If you feel overwhelmed and are struggling to pay your bills on time, we can help ease your burden. Many debt repayment solutions are available without having to file for bankruptcy and include things like debt consolidation, consumer proposal and more. Dana MacRae Licensed Insolvency Trustee can help go through the options with you and determine which is best for your exact needs.

Get Your Debt Under Control

Dana MacRae Licensed Insolvency Trustee can help go through the options with you and determine which is best for your exact needs.