HOME > LEARN MORE > TAKE OUR DEBT QUIZ


How Serious Is My Debt?


Take this short quiz to assess your financial situation.

  1. How many late fees have you been charged in the last 60 days?
  2. How many credit cards are you over limit on?

    With this many maxed out cards, you’re probably getting late fees and paying extremely high amounts of interest. It’s very difficult to get out of debt when your money is going to fees and charges instead of the actual debt. Family Credit can help lower or get rid of fees and high rates so your payments actually make a difference.

  3. How much of your credit card balance(s) do you typically pay off every month?
    1. Most (about 75%)

    The lower your payment, the more money is left on your card. When you have a large balance, interest rates add large amounts of money to it very quickly. When you only pay the minimum balance, you end up throwing away money and debt can quickly spiral out of control.

  4. Are you getting collection calls?
    1. Yes, at home only
    2. Yes, at home and at work

    If collection calls are interfering with your job, it’s time to take action. Enrolling in our Crossroads Debt Management Program can reduce or eliminate collection calls.

  5. Are you behind on your mortgage?
  6. Do you have debt from a payday loan?

    Payday loans have some of the highest interest rates out there. Do whatever you can to avoid payday loans in the future – they can really hurt you.

  7. How many months could you live on your savings?
  8. Do you have a household spending plan or budget that you stick to?

    We offer an absolutely free booklet to help you develop a spending plan. Click here to request one.

  9. Are you putting a portion of your paycheck towards savings every month?
  10. Are you hiding debt from your spouse?

    We know you hate being in that position and we want to help you get out. We can send you information in an unmarked envelope.

  11. Have you bounced a check in the last three months?
  12. Is debt making you unhappy on a daily basis?


TOPICS IN EDUCATION
COMMITTMENT TO EDUCATION
EVENT CALENDAR
BANKRUPTCY
EDUCATIONAL BOOKLETS
BUILD YOUR CREDIT FROM SCRATCH
PRACTICING DAILY FINANCIAL RESPONSIBILITY
MONEY SAVING IDEAS
UNDERSTANDING YOUR CREDIT HISTORY
CREDIT CARD AND "QUICK MONEY" DONTS
HOW TO BUILD OR REBUILD YOUR CREDIT
HOLIDAY SAVINGS
CREDITOR HARASSMENT
DEBT SETTLEMENT
LIVE DEBT FREE WHILE STILL USING CREDIT
7 STEPS TO FREEDOM
FAIR DEBT COLLECTION ACT
CREDIT REPORTING AGENCIES
TEACH CHILDREN ABOUT CREDIT
TAKE OUR DEBT QUIZ
RESOURCE LINKS
Credit Counseling Service Assistance - Community Outreach Credit and Debt Counseling Service Tools - Try Our Financial Calculators
Debt Management Services from a Biblical Perspective



Family Credit Management Services | Free Quote | Be Debt Free | All About FCMS | Education | Calculators | Media Center
Bottom Line Blog | Site Map | Contact FCMS | Access Your Account | Privacy Policy
Family Credit Management Services
Call Our Expert Credit Counselors At 800-994-3328
No appointment needed! Credit Counselors standing by.
Site Map Contact FCMS Client Log-In Privacy/Security