A creditor is taking legal action against me.  (3)

One or more of my creditors is threatening to take legal action against me.  (3)

Part of my wages or salary is deducted to pay a wage assignment or garnishment.  (3)

I am receiving past-due notices on my charges or bills.  (3)

I take out new loans to pay off old ones.  (3)

In order to pay my rent, utility, or grocery bills, I have to skip installment payments or take out loans.  (3)

I am behind on my rent.  (3)

I am behind on my utility bills.  (3)

I am considering filing for bankruptcy.  (3)

I do not have health insurance.  (3)

I do not have automobile insurance.  (3)

I am behind on one or more of my credit installment payments.  (2)

I am being turned down for a loan or other credit.  (2)

I am charging up to the limit on one or more credit cards.  (2)

I am paying only the minimum amount due each month on one or more credit cards.  (2)

I rely on the automatic-loan overdraft protection of my checking account.  (2)

Items and services that I used to buy with cash, I now buy on credit.  (2)

In order to pay current bills, I have sold  nonmatured bonds or stocks.  (2)

I do not know how much I owe on all my outstanding debts combined.  (2)

I do not know how much my total monthly payments are on all my debts combined.  (2)

Members of my household and I argue about money.  (2)

I worry about money and money problems.  (2)

My monthly mortgage (or rent) plus utilities is more than 50% percent of my take-home pay (net income).  (1)

To pay bills, I withdraw money from savings.  (1)

I have less than one month's net income in savings or other liquid assets.  (1)