Bankruptcy Warning Signs Quiz

How much do you pay towards your credit cards each month?

I always pay more than the minimum balance
I can only pay the minimum
I can't always make payments, I get overdue fees and sometimes use one credit card to pay another

When regular large bills like Car Registration come up how do you pay for them?

Withdraw the moeny I saved from my "bills account"
Put the money on my credit card
Scramble to find the money, sometimes I deprive myself of things like food in order to pay bills.

How would you handle a call from a Debt Collector?

I'm up to date with my debts. Why would they call me?
I would probably make a promise I can't keep
I would screen my calls. Why put up with their harrassment?

Have you ever had to pay a dishonour fee?

I've never paid or only once paid a dishonour fee
I regularly pay dishonor fees
I regularly find it difficult to make pay bills, debts or otherwise make ends meet because of dishonour fees.

Have you ever had to borrow money from friends of family members to pay debts?

No, never.
I have but I paid them back
I have borrowed money and failed to pay it back

Does the pressure of your debts distract you?

No
Sometimes it worries me
I'm often distracted at work and i find it hard to sleep

Have you ever borrowed money without considering the interest rate you are required to pay?

No
No, I didn't check the interest rate on my credit cards
No, but they were the only people who I could get a loan through

Have you ever been embarassed to talk about money, or your debts?

No
Yes, sometimes
I feel embarrassed about my situation and don't want to talk about it

Have you ever developed a strict budget to pay off your debts only to break it?

No, I'm paying back my debts according to schedule.
Yes, I'm not good with budgets
Yes, it was just too hard, I don't know how I'm going to pay it off

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