Questions:	Yes	No
1.	Is your debt load (excluding mortgage) more than 40% of your after tax (net) annual income?
2.	Do you have a negative monthly cash flow?
3.	Have you fallen into the habit of deferring payment of regular bills, choosing to pay some creditors this month and others the next?
4.	Are you carrying one or more credit card balances without ever paying more than the minimum amount?
5.	Are you creating new debts by borrowing from non-commercial lenders such as family members and friends?
6.	Have you lost track of how much you owe?
7.	Do you have any money in reserve to meet emergencies?
8.	Have you been denied credit from a financial institution?
9.	Do you follow a budget?
10.	Have any of your accounts been referred to a collection department or outside collection agency?
11.	Have you verified your credit bureau report for accuracy in the past year?
12.	Do you know what the cost of borrowing is on each of your accounts (i.e. credit cards, car loans, commercial loans, etc.)?