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Why are you considering bankruptcy?

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What bills do you have?



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What types of assets do you own?

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What types of income do you have?

 


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BankruptcyHQ's 12-Step Debt Test

Deciding whether to file bankruptcy is often a difficult and emotional decision. There are many reasons that may lead you to consider filing bankruptcy, and you should consult with an experienced bankruptcy attorney if you are having problems managing all your debts or don’t see a way out of debt in the near future.


YesNo
 1) Is you home in foreclosure or is your mortgage company threatening foreclosure?
 2) Has you car been repossessed or is your auto finance company threatening repossession?
 3) Have one or more of your utilities (lights, gas, water) been shut off?
 4) Are your wages being garnished?
 5) Has your driver's license been suspended because of an uninsured or underinsured accident?
 6) Are you having difficulties paying the minimum balances on your bills each month?
 7) Has one or more of your creditors filed a lawsuit against you?
 8) Do you owe back taxes, back child support, and/or student loans that you can't afford to repay?
 9) Are you receiving threatening phone calls and letters from your creditors?
10) Have you recently lost your job or other sources of income?
11) Do you have large medical bills that aren't covered by insurance?
12) Are you "Robbing Peter to Pay Paul"? (Using more credit to pay off other debts)

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