What are the signs that you are in financial distress?

• Using your credit cards to pay for utilities bills
• Receiving calls from debt collectors
• Borrowing money from payday loan companies
• Borrowing money to pay your monthly bills
• Withdrawing money or taking loans from your retirement account
• Transferring credit card balances from one card to another
• Being served with a lawsuit or foreclosure

Most financial problems are due to:
• Loss of job or cut in pay
• Divorce
• Medical expenses
• Retirement
• Increase in interest rate
• Death of family member
• Disability

Do not ignore your financial problems. Financial problems can lead to divorce, depression, and lack of self-respect. Bankruptcy can relieve your financial problems and give you a “fresh start.”

TAKE CONTROL OF YOUR DEBT TODAY CALL

Southeast Texas Office: Beaumont/Port Arthur/Orange Area 1-800-547-0073

North Texas Office: Plano/Dallas/Fort Worth Area 1-800-982-3719

East Texas Office: Lufkin/Tyler/Nacogdoches Area 1-800-547-0073