* When your money has run out, do you find that you still have groceries to purchase, bills to pay and gas to buy?
* Do you let your telephone ring and your mail pile up because you know it's from harassing creditors?
* Are you borrowing from one credit card to make your minimum payment on another?
* Have you been threatened with having your power turned off, your home foreclosed on, your car repossessed or other drastic actions from creditors?
* Are you so overwhelmed by debt that you can barely sleep at night?
* Are you living from paycheck to paycheck, constantly in fear of what is going to happen to you and your family if this financial situation continues?