Are you over-indebted? Take DebtCare's debt test now!

Are you over-indebted? Take our Debt Test.

Answer yes or no to the questions below to find out if you are over-indebted.

Yes No
Are you spending more than 20% of your net income on credit card bills?
 Are you borrowing money to pay off debt?
 Are you paying your bills on time but running out of cash between paydays?
 Are you using your credit card to pay for basics because you don’t have cash?
 Are you paying for the bare minimum on credit cards?
 Have you been turned down for a consolidated loan?
 Are you looking into or are have you refinanced a loan to free up cash?
 Does the bank always ask for a co-signer?
 Are you financing your vehicle for six years or more?
 Are you consolidating loans but not closing the accounts from where loans originated?
 Are you always looking for the next big deal that’s going to get you out of debt?
 Are you waiting until near the end of your credit card’s grace period to pay, or requesting a higher credit limit?
 Are you experiencing problems with your family or spouse due to debt?
 Are you depending on family or friends to bail you out?

If you answered ‘yes’ to two or more of the questions above, we recommend that you do a budget as soon as possible. If you have answered ‘yes’ to five or more questions above, we recommend talking to a debt expert to see where we can release some debt pressure.


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