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Other ClearPoint Services Available To You

ClearPoint Offers more than Credit Counseling and Debt Management Programs. All of our financial services are designed and tailored to help achieve financial goals for you and your family.

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Credit Counseling You Can Trust

Financial Health Quiz

Take a minute to check your financial fitness below. You won't be graded, but you can use the results to help gauge what you should do next.

Want more detail? Calculate the Risk with our debt-to-income ratio calculator to see how financially vulnerable you may be.

  1. Is more than 15 percent of your income going to pay debts?
    Yes No

  2. Are you borrowing money or using credit cards to pay for items you used to pay for with cash?
    Yes No

  3. Are you dipping into your savings to pay current bills?
    Yes No

  4. Are you paying bills with money intended for something else?
    Yes No

  5. If you or your spouse lost your job, do you have less than three months' take-home pay in a savings account?
    Yes No

  6. Can you usually only make the minimum payment on your credit cards?
    Yes No

  7. Are you extending repayment schedules - paying in 60 or 90 days bills you once paid in 30 days?
    Yes No

  8. Are you near, at, or over the spending limit on your credit cards?
    Yes No

  9. Do you take out a new loan before the old one is paid off or take out a new one to pay off an existing loan?
    Yes No

  10. Are you unsure of how much you owe (within $50)?
    Yes No

  11. Do you habitually pay your bills late?
    Yes No

  12. Do you charge more each month than you make in payments?
    Yes No

  13. Do you use a cash advance on one credit card to make payments on other credit cards?
    Yes No

  14. Has a collection agency called recently about an overdue bill?
    Yes No

  15. Are you threatened with repossession of your car, cancellation of your credit cards, or other legal action?
    Yes No

Start Your Debt Management Program Now.

If a DMP is right for you, you will learn to successfully reduce your debt through:

  • Financial review
  • Budget analysis
  • Action plan
Get Started Now
Or call us today at 877-422-9045
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 Financial Danger Warning Signs
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 Calculate Your Net Worth
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