Needs Assessment Test

Question #1: Are you behind on your mortgage, or possibly facing foreclosure?
YES NO

Question #2:
Do you get anxious with every phone call, expecting it to be another collector harassing you for payment?
YES NO

Question #3:
Are you threatened with the repossession of your car, loss of your credit cards, or with legal action?
YES NO

Question #4:
Do you have trouble sleeping at night, consumed with thoughts of debt?
YES NO

Question #5:
Do you argue with your spouse/significant other over money and bills?
YES NO

Question #6:
Are you falling further into debt each month as you pay for normal monthly expenses?
YES NO

Question #7:
Is an increasing percentage of your income being used to pay off bills?
YES NO

Question #8:
Are you near or at the limit of your credit lines?
YES NO

Question #9:
Can you o­nly make the minimum payments o­n your credit card accounts?
YES NO

Question #10:
Are you borrowing to pay for items you used to buy with cash?
YES NO

Question #11:
Do you use credit cards to pay off other debts, including other credit cards?
YES NO

Question #12:
Have you taken money from retirement or savings accounts to pay bills?
YES NO

Question #13:
Do you put off medical/dental visits because you can't afford them?
YES NO

Question #14:
If you lost your job or were cut back in hours, would you have an immediate financial problem?
YES NO

Question #15:
Have you considered bankruptcy as a way out of debt?
YES NO

Question #16:
Have you had a special circumstance (layoff, divorce, wedding, illness, death, student loan, new home or car, etc.) that has thrown your budget into chaos and made finances unmanageable?
YES NO

Question #17:
Do you know your total debt?
YES NO