Warning Signs for Bankruptcy

Are you overwhelmed by debt?
- Paying minimums on credit cards
- "Maxed out" on credit cards
- Borrowing from "Peter" to pay "Paul"
- Avoiding creditor phone calls
- Purchasing necessities with credit
- Dread opening your mail each day
- Living paycheck to paycheck
- Applied and turned down for debt consolidation loan
- Cannot make credit counseling monthly payments