GOLD and HAMMES, Attorneys
Use of Credit Counseling
If you have talked with or met with a credit counseling agency, we would like to hear about your experience with them. Your answers are completely anonymous.
Please complete this survey only if you have talked with or met with a credit counseling agency about your debt problems. Did the credit counseling agency go through your debts and your budget with you?
Yes
No
If the answer to #1 is yes, did they correctly calculate your income?
Yes
No
Not Applicable
By their calculations, did you have any money left over to pay your credit card debt?
Yes
No
Not Applicable
Did they propose a debt repayment plan?
Yes
No
Not Applicable
If the answer to #4 is yes, did you start making monthly payments under the plan?
Yes
No
Not Applicable
If the answer to #5 is yes, how many months did you pay into the plan?
1-6 months
7-12 months
More than 1 year
Not Applicable
If you have been paying into the plan, is it hard to pay the monthly payments?
Yes
No
Not Applicable
If you are paying into the plan, are you falling behind on some of your other bills like rent, electricity, car insurance, etc.?
Yes
No
Not Applicable
If you are paying into the plan, do you think you will be able to finish it?
Yes
No
Not Applicable
Have you considered filing bankruptcy instead?
Yes
No
If you haven't filed bankruptcy, what are the reasons you have not done so?
2