Do you….

• Pay only monthly minimums or miss payments on charge accounts?
• Consolidate debts by borrowing from a high-interest lender?
• Depend on overtime or moonlighting to cover monthly bills?
• Find it impossible to save money or frequently withdraw money from your savings to cover bills?
• Panic when faced with an unexpected expense, such as car repairs?
• Hope that checks you’ve written don’t clear the bank before payday?
• Borrow from friends and relatives to cover basic expenses?

If so, you may need a debt management program.