• ARE YOU USING ONE CREDIT CARD TO PAY ANOTHER?
  • DO YOU ONLY PAY MONTHLY MINIMUM PAYMENTS ON YOUR CARDS?
  • ARE YOUR FINANCIAL TROUBLES AFFECTING YOUR FAMILY LIFE OR WORK?
  • DO YOU PANIC WHEN FACED WITH AN UNEXPECTED EXPENSE?
  • HAVE YOU CONSOLIDATED DEBTS WITH A HIGH INTEREST LENDER?
  • RECEIVED PAST DUE NOTICES OR CALLS FROM YOUR CREDITORS?
  • MADE USE OF PAYROLL ADVANCE COMPANIES?
  • ARE YOU STAGGERING UNDER YOUR DEBT LOAD?

IF YOU HAVE ANSWERED YES TO ANY OF THESE QUESTIONS
You need Canadian Credit Counsellors Society