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- Do you ever use one form of credit to make payments on other debt? In other words, are you "borrowing from Peter to pay Paul?"
- Have you taken one or more cash advances in the past few months?
- Do you ever borrow to meet regular expenses, such as food and utility bills?
- Can you barely make the minimum payments on bills?
- Are you being pursued by collection agencies?
- Are your financial problems impacting your health or relationships?
- Have you or your spouse recently been laid off or lost your job?
- Have you recently been through a divorce or expect to go through one soon?
- Do you spend more than one-third of your take-home pay on housing?
- Do you spend more than one-quarter of your take-home pay on your total transportation needs (car payment, car insurance, repairs and gas)?
- Do you owe two months salary or more on your credit cards?
- Are you using one-quarter or more of your take-home income to pay credit card bills and personal loans (excluding mortgage payments)?
- Are your credit cards charged to the limit?
- Have you bounced more than one check in the past year?
- Are you without any savings?
- Are you behind on house or car payments?
- Are your creditors threatening to take your car, house, or other property?
- Are you behind on your taxes or owe the IRS?
- Are your creditors threatening to garnish your wages?
If you answered "yes" to one or more of these questions, you may need to discuss your situation with a bankruptcy lawyer. Our Tuscaloosa bankruptcy lawyers are here to help you. To schedule a free consultation in the 205 area code call 1-800 BANKRUPT (1-800-226-5787). Other numbers which may be used to reach us 7 days a week are 205-349-5911 and 1-888-263-1525.
For more information on Chapter 7 Bankruptcy, click here. For more information on Chapter 13 Bankruptcy, click here.
Dionne & Dionne
6726 Old Greensboro Road, Suite A
Tuscaloosa, AL 35405-5979
Phone: (205) 349-5911
Inside 205 Area Code Toll Free: 1-800-BANKRUPT (1-800-226-5787)
Nationwide Toll Free: 1-888-263-1525
Fax: (205) 409-0294
E-mail

