KARRENE CREDIT CONSULTANTS INC.

Required monthly payments to creditors total 20%
or more of take-home income
(not including rent or mortgage).
Drawing from savings to cover daily expenses.
Using cash advances from credit card issuers
to pay other creditors and/or daily expenses
Paying the minimum amount due on your bills
or less each month.
Not knowing how much you owe.
Receiving calls or letters from creditors
regarding late payments.
Lawsuits, repossessions and or garnishments
of wages by creditors

If you are experiencing any of these signs
you may be in financial trouble or heading there.
The important thing to remember is:

THERE IS HELP AVAILABLE TO YOU!