1. Are you concerned your debts are getting out of control?
  2. Do you have a bank account?
  3. What percentage of your monthly take-home income goes toward payments to creditors (excluding mortgages)? (calculator)
  4. How much do you have in all savings accountsSavings would include contributions you make to retirement accounts (IRA, 401k, etc.).?
  5. On average, what portion of your paycheck is put into savings each month?
  6. On average, how often do you withdraw funds from savings?
  7. On how many credit cards do you carry balances month to month?
  8. Within the last year, how many new credit accounts did you open?
  9. Of the credit cards you carry balances on, are any over 30 days past due?
  10. Of the credit cards you carry balances on, are any over 60 days past due?
  11. What is the average interest rate on your credit cards? (calculator)
  12. On average, what percentage of the credit limit do you still have available on your credit cards? (calculator)
  13. In the past year, my savings has:
  14. In the past year, my unsecured debtDebts that are not tied to any item of property: for instance, credit cards, signature loans, medical accounts, etc. has:
  15. My credit score is:
  16. Are you behind on your mortgage or rent?
  17. On average, what portion of your total debt do you pay off each month?
  18. Within the last year, have you used credit to pay off other debts (including medical debt)?
  19. Within the last year, have you used credit to pay living expensesNecessities such as utilities, food, clothing, entertainment, car maintenance, housekeeping supplies, and personal care items.?
  20. Within the last year, have you missed any required payments on debts?