If you answer yes to four or more of these questions below you could be over-indebted. It is best we proceed with a formal application.
Do you think you might have a bad credit record?
Are you receiving phone calls from creditors or debt collectors ?
Do you take monthly loans to make ends meet?
Do you have a credit card with a used up limit ?
Do you have outstanding instalments on a credit card ?
Do you have outstanding instalments or payments at the moment ?
Is more of 50% of your salary being used to repay debt?
Are you struggling to cover your monthly basic living expenses due to your debt?
Maybe you don't have financial problems, but know of a family member, friend or colleague who does. Please forward them my contact details.
