Goodbye Debt!

Suite 2800, Gulf Tower
Pittsburgh, PA 15219
412-391-8000
1-800-360-9392

Bankruptcy Test

Check the box beside each question if the answer to the question is YES.

Yes?
	Do you have to borrow to meet regular expenses, such as food and utility bills ?
	Can you barely make the minimum required payment on bills ?
	Are your revolving credit cards charged to the limit ?
	Are you using one form of credit, such as a line of credit or debtconsolidation loan, to make payments on other debt ?
	Do you have no cash reserve ?
	Do you owe more than 2 months salary on your credit cards ?
	Have you taken more than one cash advance greater than $500 in the last few months ?
	Are you using 25% or more of your take-home income to pay credit card bills and personal loans (excluding mortgage payments) ?
	Do you spend more than 25% of your take-home pay on your total transportation needs (This includes car payments, car insurance, repairs and gas) ?
	Do you spend more than 33% of your take-home pay on housing ?
	Have you bounced (N.S.F.) more than one check in the past year ?
	Are you so far behind on credit payments that collection agencies are after you ?
	Have you or your spouse have recently been laid off or lost your job ?
	Are your financial problems effecting your health or family relationships ?

Steidl and Steinberg, Attorneys at Law
28th Floor, Gulf Tower
Pittsburgh, PA 15219
412-391-8000
1-800-360-9392

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Steidl and Steinberg, Attorneys at Law
28th Floor, Gulf Tower
Pittsburgh, PA 15219
412-391-8000
1-800-360-9392