When Should I File For Bankruptcy? Survey

When Should I File For Bankruptcy?

FREE survey to determine if bankruptcy might be an option for you. Read more at The Complete Book on Bankruptcy at https://www.bankruptcybookbypeterfrancisgeraci.com/

Question Title

* 1. If THREE or more of the following apply to you, you should see a bankruptcy lawyer now.

My debt is over $10,000 not including a car or house.

My payments are over 25% of my take home pay.

I am frequently late on my payments.

I pay 20% interest on my debt.

I buy necessary items like food or clothing on credit.

I frequently get cash advances.

I am thinking about getting a loan to pay other loans.

I have a lawsuit and over $10,000 in other debt I can eliminate.

Collection agencies are calling me.

I am "robbing Peter to pay Paul."

My balances are not going down even though I make payments.

I have been turned down for more credit.

Payments are more than 1 month behind on more than one bill.

My driver’s license is suspended because of an accident.

I am working but paying other debts so I can't afford car insurance.

My mortgage or rent is always late, or is behind.

We are getting divorced and have too many bills to pay.

I have medical bills over $20,000 that are not insured.

There is a garnishment or wage assignment on my check.

I owe income taxes I can't pay now.

My car is worth much less than I owe.

I have no savings.