NEW YORK (AP) -- Here's a quick quiz, developed by the National Foundation for Credit Counseling, to help you determine if you've got a debt problem.
The foundation is a nonprofit umbrella for 1,500 credit counseling services around the nation.
n Are you unsure about how much you owe? Do you skip some bills to pay others?
n Do you have insufficient cash saved to see you through an emergency?
n If you lost your job, would you have trouble paying for your basic living expenses?
n Have you postponed medical or dental appointments because you can't afford them right now?
n Do you find that you and your spouse argue about money?
n Are you receiving calls from creditors about overdue bills?
n Do you find yourself exceeding your monthly budget for necessities like groceries and gas?
n Are you using an increasing percentage of your monthly income to pay off debts?
n Can you only make the minimum payments on your credit cards?
If you answered ''yes'' to:
n 1-2 questions. You may be developing financial problems and should consider visiting a budget counselor to avoid the risk of serious trouble in the future.
n 3-5 questions. You are on the edge of financial disaster. Develop a plan to regain control of your situation.
n 6-10 questions. You're in over your head. Act now to take control of your finances.
A counselor can help you develop a realistic plan to repay debt.
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