Are you:

1.  Paying the minimum due on accounts?

2.  Using cash advances on one credit card to make payments on
    another?

3.  Putting off one bill to pay another?

4.  Past due with basic living expenses  ...  utilities, rent, etc.?

5.  Taking advances on paychecks or depending on overtime pay for
    basic living expenses?

6.  Considering a debt consolidation loan?

7.  Avoiding the mail, or hiding bills from your spouse?

8.  Waking-up in the middle of the night worried about bills?

9.  Post dating checks or hurrying to the bank on payday to cover checks
    already written?

10.  Forgetting to pay yourself first and save for emergencies like losing a
        job or major auto repairs?

11.  Feeling that things are "out of control"?

12.  Having 2 or more overdrafts within 12 months?

Even if one of these questions apply to you, it's time to act!  You are not alone, thousands of people struggle with financial difficulties.

If you checked more than 4, you may want to contact CCCS for a confidential interview.