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Climbing Out of the Black Hole of Bad Credit


If it seems like a long, long way out of the black hole of your debt load, then this article is for you. Check out the questions here. If you answer yes to even some of them, your debt load may be out of control.

1. Do you wake up at night, worrying about how you're going to pay all your bills?
2. Do you get nervous when the telephone rings, thinking it might be a creditor, calling to collect?
3. Do you wonder how you'll ever meet even set monthly payments, like your utility bills?
4. Do you often leave unpaid balances-not just on your credit cards each month-but on your electric bills, heat bills or phone bills?
5. Do you live off a line of credit that you have never paid off?
6. Are you unaware of how much money you owe-in total?

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