Bankruptcy Quiz

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How much total unsecured debt (credit cards, medical bills, personal loans, IRS Debt etc.) do you have?

Less than $5,000

$5,000 to $10,000

Over $10,000

How quickly could you pay off your unsecured debt (credit cards, medical bills, personal loans, IRS Debt etc.) if you start making extra payments now?

Less than 3 months

In 3 months to 1 year

Over 1 year

Do you have a wage garnishment, foreclosure, or repossession?

yes

Is your financial situation affecting your mental health?

No - I’m emotionally secure about my financial situation

Yes - I do feel some stress about my debts, income, and other financial issues, but I feel optimistic about my future

Yes - I feel a lot of stress about my financial situation, income, and debts, and I feel hopeless about it

Is your current income enough?

I have enough money coming in to feed my family, pay my debt, and sometimes have enough left over to at least save a little

I have just enough money to get by. Sometimes I need to use credit cards to pay for things, but I can at least pay the minimum balance on cards

My income is not enough. I can’t pay the minimums on my credit cards anymore, and I have had to pay one credit card with another, transfer balances, or borrow from retirement just to make ends meet

Have you had any legal action taken against you by any creditors?

I haven’t been contacted by any creditors because I’m behind on payments

I have gotten calls/ received letters from creditors trying to collect, but they have not taken legal action against me

Creditors have threatened to seize my assets or have filed lawsuits against me

What do you do when it’s time to pay your bills?

I have no problem paying my bills

I sometimes have to juggle my bills or delay paying certain ones until my next check comes in, but I manage to pay everything basically on time

I sometimes have to skip paying certain bills to afford others, or I may skip paying some bills just to pay for food and necessities

Are you experiencing a major life change that is affecting your finances?

A recent life change has left me with some debt, but I’m able to handle the extra expense

I’ve had a recent divorce, medical emergency, layoff, disability, lawsuit, etc. and now am having a hard time managing my finances

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Find out if you qualify for Bankruptcy and get a head start on your new life!

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