Are you one of those people who are constantly asking - when is my next payday? If you are looking forward to being paid so that you can pay debt; you might be in too deep. We can help with a free debt analysis or free budgeting tools.

Did they change the interest rate on you? Did you miss a payment and now the cost of doing business with them has skyrocketed out of control? Perhaps it's time to understand your situation better. You can check your debt-to-income ratio for free to help you better understand your next step.

Do the bills seem to arrive more frequently than the money to cover them? Are you having to make tough decisions by choosing to pay one thing over another? Are you shifting (a.k.a. kiting) payments to creditors to stay afloat? You can check your debt-to-income ratio for free with our free calculator.

Have you chosen an alternative sources of funding that also charge you as a short term solution? These will only work for so long. There are better processes to choose from. We recommend getting to the root cause and fixing that first. Then you can reinforce better credit habits. Let us help you.

Are you relying on credit cards because it's convenient and accessible? Short term notes can come at a cost. You can calculate interest rate cost with our interest rate calculator to see how much this debt will cost you over time. Creditors rely on the principle of the time value of money.

Switching cards to avoid paying creditors as a short-term solution may work temporarily; however, it does not solve the root cause of the debt problems you may be experiencing. To get to the root cause requires a deeper evaluation and we can assist with that through a free debt analysis.

Does the phone ring regularly with past-due calls? Are you constantly receiving letters in the mail informing you that you are past due? We may be able to reduce some of that stress for you.

Have you tried to get credit and been turned down because your credit score is too low? Have all avenues of new funding been eliminated because of your mounting debt? If doors are closing and choices are getting fewer, it could be time to consider new options to help you restore financial balance.

If you are constantly talking about debt, or arguing about debt related matters - it's time to get help. Negativity doesn't solve problems. Unfortunatly, it only intensifies or amplifies them. The real solution lies in getting to the root cause of debt related matters, fixing them and restoring financial balance.

Does it feel like it's following you around. Does every decision have to be filtered through a lens of how am I going to pay for that? We recommend a complete debt analysis complete debt analysis to help you reduce your stress. We are available to assist with any questions.