How do you know how much debt is too much? Take our debt test to assess your financial health.
- Do you lack a savings account or money for emergencies?
- Are you using credit cards to buy things you used to pay for with cash?
- Are one or more of your credit cards at or near the limit?
- Are you only able to make the minimum payment on your credit cards?
- Are you unsure about how much you owe?
- Is an increasing percentage of your monthly income going to pay off debts?
- Are you 30 days behind with any of your creditors?
- Have you written post-dated or insufficient funds checks to get a creditor off your back?
- If you lost your job would you have immediate financial problems?
- Do you use cash advances to pay other credit cards?
A "yes" answer to two or more questions indicates you may benefit from credit counseling. You can contact us at
cccs@graceworks.org or toll-free at 1-800-377-2432. Or you can call us at one of the
four offices nearest you.
