Forerunners :

Here are the usual precursory signs of a financially unstable situation:

• Do you use your credit cards by absolute necessity?
• Do you always borrow money to cover your expences from one paycheck to the next?
• Was your salary seized to pay back debts?
• Do you only pay the interests and the monthly administration fees, without reducing the principal over a period of several months?
• Do discussions about money cause quarrels in your family?
• Do your creditors hassle you to be reimbursed (car, furniture being repossessed)?
• Do public utility companies cut their services because you are not paying your bills?
• Do collection agencies call you?

If you have answered "YES" to one of these questions, you could be heading for serious financial difficulties. But it is not too late. If you react quickly, you can avoid the worst.

By rigorously planifying your expenses, consulting professionals or completing this Online Form, which will be analysed in complete confidentiality by a professional, you will only increase your chances of coming out on top.