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	" I needed credit card debt consolidation help! Thank you so much for lowering my interest rates and the great service. If it was not for Navigators Debt I would be in debt forever! "
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Debt Quiz

Please take a few Moments to answer these questions. This quiz is designed to help you to determine how severe your debt is…

1. Are you using credit cards or borrowing money to pay for items you used to pay for with cash?Yes No

2. Is more than 15 percent of your income going to pay debts? Yes No

3. Are you paying your bills with money intended for something else?Yes No

4. Are you dipping into your savings to pay current bills? Yes No

5. If you or your spouse lost your job, do you have less than three months take-home pay in a savings account?Yes No

6. Can you usually only make the minimum payment on your credit cards?Yes No

7. Are you extending repayment schedules - paying in 60 or 90 days bills you once paid in 30?Yes No

8. Are you near, at, or over the limit on your credit cards? Yes No

9. Do you take out a new loan before the old one is paid off or take out a new one to pay off an existing loan? Yes No

10. Are you unsure of how much you owe (within $50)? Yes No

11. Do you habitually pay your bills late? Yes No

12. Do you charge more each month than you make in payments? Yes No

13. Do you use a cash advance on one credit card to make payments on other credit cards? Yes No

14. Has a collection agency called recently about an overdue bill? Yes No

15. Are you threatened with repossession of your car, cancellation of your credit cards, or other legal action?Yes No

Your Score is:

Score Analysis :

If your score above is 3 or more, you may want to seek other alternatives to get you ahead of the game! We have a lot of useful options for your review in our Knowledge Center or you can Get Started Here.