If you are in financial trouble, you are not alone. Every year, over a million Americans put their problems behind them by filing bankruptcy. At the Law Office of Keith Moskowitz, we have helped thousands of people just like you find the legal solutions they needed to put their finances and their lives back on track. Please take a moment to answer the questions below. This quiz is designed to determine whether or not you should seek the advice of a Debt Management / Bankruptcy professional. It is important that you answer each question openly and honestly.

Are any of your credit accounts more than 30 days late?

Do you pay only the minimum payment due on your credit cards a majority of the time?

Do you float or bounce checks in order to put food on your table or pay monthly expenses such as electric or gas?

Have you barrowed money from a payday loan centers or vehicle title loan services?

Do bill collectors call you at home or work?

Do you have multiple mortgages on your house?

Have you reached the credit limit on one or more of your credit cards?

Have you borrowed money to pay off your credit cards (including balance transfers) and accrued significant balances again?

Do you lose sleep at night because you worry how you are going to pay your bills?

Have you borrowed money from friends and/or relatives to meet obligations?

Do you pick and choose which accounts to pay because you can’t afford to pay all of your obligations?

Has your credit line been stopped by one or more creditors?

Is your house in jeopardy of foreclosure?

Has your house been foreclosed or your car repossessed leaving you with a balance due on the property that you no longer own?

Do you stress over your finances?

Are you afraid or hesitant to answer your telephone because you don’t want to be abused or belittled by a representative attempting to collect money from you?

Do you write checks hoping they don’t clear your bank before your paycheck gets deposited?

Do you make excuses to yourself or those around you as to why you can’t pay your bills?

Do you live from paycheck to paycheck with no source of funds for unexpected obligations?

If you have answered yes to any of these questions, arrange your FREE ON LINE BANKRUPTCY CONSULTATION today .

We are a Federally Designated Debt Relief Agency and Bankruptcy Lawyers who help people file for bankruptcy relief under the Bankruptcy Code. We do not retain clients on the strength of advertising material alone but only after following our own engagement procedures based on in-person interviews, conflict checks, and retainer agreements. The information contained on this site is intended to educate members of the public generally and is not intended to provide solutions to individual problems. Nor does the use or reliance of information contained on this web site constitute the establishment of a lawyer-client relationship. Readers are cautioned not to attempt to solve individual problems on the basis of information contained herein and are strongly advised to seek competent legal counsel before relying on information on this site. Serving the cities of Arvada, Aurora, Boulder, Brighton, Broomfield, Castle Rock, Centennial, Cherry Hills, Conifer, Commerce City, Denver, Denver Tech, Erie, Evergreen, Greenwood Village, Golden, Highlands Ranch, Lafayette, Lakewood, Littleton, Lodo, Longmont, Louisville, Lone Tree, Morrison, Northglenn, Parker, Thornton, Ft. Collins, Nederland, Rollinsville, and Westminster.