debtors will answer yes to at least eight of the following 15
1. Are your
debts making your home life unhappy?
2. Does the pressure of your debts distract you from
your daily work?
3. Are your debts affecting your reputation?
4. Do your debts cause you to think less of yourself?
5. Have you ever given false information in order to
6. Have you ever made unrealistic promises to your creditors?
7. Does the pressure of your debts make you careless
of the welfare of your family?
8. Do you ever fear that your employer, family or friends
will learn the extent of your total indebtedness?
9. When faced with a difficult financial situation, does
the prospect of borrowing give you an inordinate feeling of
10. Does the pressure of your debts cause you to have
difficulty in sleeping?
11. Has the pressure of your debts ever caused you to
consider getting drunk?
12. Have you ever borrowed money without giving adequate
consideration to the rate of interest you are required to pay?
13. Do you usually expect a negative response when you
are subject to a credit investigation?
14. Have you ever developed a strict regimen for paying
off your debts, only to break it under pressure?
15. Do you justify your debts by telling yourself that
you are superior to the "other" people, and when you
get your "break" you'll be out of debt overnight?
How did you score?
If you answered yes
to eight or more of these questions, the chances are that you
have a problem with compulsive debt, or are well on your way
to having one.
If this is the case,
today can be a turning point in your life.
We have all arrived
at this crossroad. One road, a soft road, lures you on to further
despair, illness, ruin, and in some cases, mental institutions,
prison, or suicide.
The other road, a more challenging road, leads to self-respect,
solvency, healing, and personal fulfillment. We urge you to
take the first difficult step onto the more solid road now.
have questions about DA? Contact
us for help.