| Recognizing the Signs of Financial Distress |
| Possible Solutions to your Problems |
| Cost |
| Exempt Assets |
| Your Credit Rating |
| Re-establishing your Credit |
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Recognizing the signs of financial distress
- You are only able to make the minimum payment on your credit cards.
- You use one source of credit to pay another.
- You consistently depend on overtime or a second job to cover your monthly expenses.
- You take cash advances against your paycheques from high interest bearing sources.
- You hide purchases from your friends and family.
- You write cheques before payday, hoping that they don't clear the bank right away.
- You find yourself depleting your savings (if any) to meet your monthly financial obligations.
- Collectors begin harassing you on the telephone.
- Statements of claim, legal actions or bailiffs begin arriving at your house.
Be aware that any one of these is a CLEAR sign of financial DISTRESS and warrants you taking some kind of action to alleviate these matters.
Know what your options are.
Know what your options are.