https://www.cnbc.com/2019/02/21/consumer-debt-hits-4-trillion.html Debt Relief This article points out how much debt consumers are in. $4 Trillion. Most people don’t have the cash to cover an emergency. If you see yourself in any of the following circumstances, you need to see us about debt relief: You are using payday loans. You are thinking of using a 401k loan to pay bills (Big No No!). You are thinking of using a reverse mortgage to pay off your credit cards (another bad idea). You are skipping car or house payments to pay the people nagging you with phone calls (do not ever get behind on the house payment!) Your credit cards, payday loans, and medical bills total 25% or more of your yearly income.