The One Minute Debt Test
- Have you missed or made a payment late in the last 12 months?
- Do you have unopened mail from your creditors?
- Do you avoid/dread calls from your creditors?
- Have you incurred any bank charges due to missed payments?
- Do you buy essentials using credit?
- Do you survive monthly by your overdraft facility?
- Do you pay credit by using other methods of credit?
- Have you been turned down for credit?
- Do you juggle household bills?
- Do you avoid checking your bank statement?
If you have answered YES to one or more of the above then call us FREE today or fill out our debt calculator for FREE impartial debt advice with no financial obligation.

