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Insolvency Evaluator for Individuals

Please answer the following questions and press the submit button for us to evaluate.

Results

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YES � NO

1. Do you owe more than you own personally, either including or excluding your house and mortgage?

2. Are you paying your credit card providers only the minimum amount each month?

3. Do you owe more on credit cards and HP than you earn in a year?

4. Are your mortgage payments in arrears?

5. Have you stopped payments to a pension fund or any other forms of saving?

6. Do you worry about opening your post in case there are any final demands or solicitors letters?

7. Do you have any County Court Judgements against you?

8. Do you always have to juggle your monthly outgoings and “rob Peter to pay Paul”?

9. Do you ever lie about your payment being in the post?

and, if you are in business, either as a sole trader or in partnership:

10. Does your business owe more than it is owed?

11. Do you pay your suppliers outside the credit terms they normally offer?

12. Are you behind with PAYE and VAT payments?

13. Is your stock overvalued against its true worth to the business?

14. Does the list of customers owing you money include customers who are, in all honesty, not going to pay you?