Financial Assessment

Question Title

* Everyone has a unique financial situation. A Credit Counselor can objectively identify your individual spending habits or financial needs that you are concerned about.

Do any of the below statements apply to you? Simply check yes or no to each of the following statements. Your responses are completely confidential and you do not have to give us your name or any other personal information.

	Yes	No
Your income does not cover all of your monthly expenses.	Your income does not cover all of your monthly expenses. Yes	Your income does not cover all of your monthly expenses. No
You do not keep track of your expenses or maintain a budget.	You do not keep track of your expenses or maintain a budget. Yes	You do not keep track of your expenses or maintain a budget. No
You have not reviewed your credit report because you do not understand all of the information listed on the report.	You have not reviewed your credit report because you do not understand all of the information listed on the report. Yes	You have not reviewed your credit report because you do not understand all of the information listed on the report. No
You do not understand the impact of your credit on purchasing a car, house, insurance or even getting a job.	You do not understand the impact of your credit on purchasing a car, house, insurance or even getting a job. Yes	You do not understand the impact of your credit on purchasing a car, house, insurance or even getting a job. No
You regularly use credit cards to pay for necessities in order to stretch your paycheck.	You regularly use credit cards to pay for necessities in order to stretch your paycheck. Yes	You regularly use credit cards to pay for necessities in order to stretch your paycheck. No
You are paying late fees and over the limit fees on your credit cards and are not sure how to begin repayment.	You are paying late fees and over the limit fees on your credit cards and are not sure how to begin repayment. Yes	You are paying late fees and over the limit fees on your credit cards and are not sure how to begin repayment. No
You are unsure of the financial requirements for buying a house and what mortgage terms you can afford.	You are unsure of the financial requirements for buying a house and what mortgage terms you can afford. Yes	You are unsure of the financial requirements for buying a house and what mortgage terms you can afford. No
You are considering a reverse mortgage, but don’t have a lot of information about them.	You are considering a reverse mortgage, but don’t have a lot of information about them. Yes	You are considering a reverse mortgage, but don’t have a lot of information about them. No
You are living on a fixed income and can no longer afford your home.	You are living on a fixed income and can no longer afford your home. Yes	You are living on a fixed income and can no longer afford your home. No
You are struggling to meet your mortgage payments, and have been late.	You are struggling to meet your mortgage payments, and have been late. Yes	You are struggling to meet your mortgage payments, and have been late. No
You have received a foreclosure notice and need assistance to determine your next steps.	You have received a foreclosure notice and need assistance to determine your next steps. Yes	You have received a foreclosure notice and need assistance to determine your next steps. No
You are considering or have been advised by an attorney to file bankruptcy.	You are considering or have been advised by an attorney to file bankruptcy. Yes	You are considering or have been advised by an attorney to file bankruptcy. No
You have been laid off, experienced a cut back in hours, or a medical problem that has decreased your income.	You have been laid off, experienced a cut back in hours, or a medical problem that has decreased your income. Yes	You have been laid off, experienced a cut back in hours, or a medical problem that has decreased your income. No
You know of a situation that is going to change your finances, and you need to plan accordingly.	You know of a situation that is going to change your finances, and you need to plan accordingly. Yes	You know of a situation that is going to change your finances, and you need to plan accordingly. No

If you chose Yes to one or more questions, you may be able to benefit by seeing a Cetified Credit Counselor. To learn more and schedule yourself to see someone, call 1.866.JFCS.NOW (1.866.532.7669).