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If you can answer Yes to any of the following danger signals of a debt problem, you should be getting help right away.

1. You use your credit card as a necessity rather than a convenience.
2. You borrow money to make it from one payday to the next.
3. Utilities company cut off service because your bills have gone unpaid.
4. Your wages have been garnisheed to pay for outstanding debts
5. You pay only interest or services charges monthly and do not reduce your total debt over many months
6. Creditors and/or Collection Agencies have threatened to sue you or repossess your car, furniture etc.
7. You are gambling and drinking and leaving yourself unable to pay your creditors

Remember:

We believe most people will pay their debts if they can.

We understand when people experience life-changing events which impact their ability to pay.

Most people will face a financial crisis at some point in their lives.

Par-O-Law we represents YOU, the debtor, exclusively

Most importantly, get qualified help as soon as possible.