What are the Signs You are in Financial Distress?
- Using your credit cards to pay for utilities bills
- Receiving calls from debt collectors
- Borrowing money from payday loan companies
- Borrowing money to pay your monthly bills
- Withdrawing money or taking loans from your retirement account
- Transferring credit card balances from one card to another
- Being served with a lawsuit or foreclosure

Most Financial Problems are Due To:
- Loss of job or cut in pay
- Divorce
- Medical expenses
- Retirement
- Increase in interest rate
- Death of family member
- Disability

Do not ignore your financial problems. Financial problems can lead to divorce, depression, and lack of self-respect. Bankruptcy can relieve your financial problems and give you a “fresh start.”