Bankruptcy Quiz

If you answer yes to two or three of these, you need to call for an appointment.
If you answer yes to four or more, you should have called months ago.

____ I have been late on at least one credit card in the last 12 months.

____I have been late on an automobile payment in the last 12 months.

____I have missed one or more mortgage payments in the last 12 months.

____I have used one credit card to pay another.

____I have used credit cards to pay for essentials like food or utilities in the last twelve months.

____I have had interest rates on at least one credit card increased because of missed payments in the last 12 months.

____I have received harassing telephone calls from collectors about lost payments.

____A creditor has sued me over a debt in the last 12 months.

____I have “robbed Peter to pay Paul” by skipping one payment to pay another.

____I have had credit lines reduced or closed on at least one credit card in the last 12 months.

____I have had at least one creditor threaten to repossess my car or foreclose against my home n the last twelve months.

____I have considered or have used retirement funds (401k, pension, money market or other savings) to pay bills in the past twelve months.  IF YOU ARE THINKING ABOUT THIS BUT HAVEN’T YET DONE SO, CALL IMMEDIATELY BEFORE GOING ANYTHING FURTHER, AS YOU MAY BE MAKING A HUGE MISTAKE THAT CAN BE ADDRESSED IN BANKRUPTCY.

____I have borrowed money from relatives to pay bills in the last 12 months.

___I have argued with my spouse over finances during the last twelve months.

____I have affected relationships with friends, family, and co-workers because of the stress I feel from my debt problems.

____I have been losing sleep and lack focus at work as a result of my debt problems.

____I have been drinking more than usual as a result of my debt problems.

____I have spent money gambling or on lottery tickets that affected my ability to pay bills on time.

Get Help!

Keefe Law can get the creditors off your back.

Contact Us