If you checked any of the below you might consider credit consulting.

•  Not saving on a regular basis
   
• Can't qualify for a mortgage to buy a house
   
•  Detrimental errors on credit report
   
•  No budget-not knowing where your money goes.
   
•  Spending most of your income paying monthly bills.
   
•  Borrowing money to pay bills.
   
•  Using credit cards to pay for food, utilities, insurance, entertainment, etc.
   
•  Not paying bills on time.
   
•  Alternating payments of bills every other month.
   
•  Receiving calls at work or home from creditors demanding payments.
   
•  Receiving papers from sheriff or court to appear for non-payment of bills.
   
•  Using NSF checks to pay bills until pay-day.
   
•  Stress in family relationships when bills are talked about.
   
•  Contemplating leaving the area to try to get a new start.

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