| Ten years ago, you had taken a mortgage loan | | | | your extravagant habit has led you in a |
| to buy a house. Five years ago you had to | | | | troublesome situation, as you have not been |
| take a personal loan for medical expenses. | | | | able to repay your previous arrears. Your |
| Two years ago you bought a new car. Your | | | | credit card bills are also unpaid and with |
| expenses are also high because you have a | | | | all this your credit record is getting |
| habit of buying expensive household items. | | | | worsened. What will you do in such a |
| Almost every year you change your television, | | | | situation when there are burgeoning loans |
| refrigerator, microwave oven, washing machine | | | | upon you, your credit rating is also getting |
| and other equipments with new ones. And this | | | | poorer and you again need money to |
| all is done with your credit cards. But, now | | | | consolidate all your debts? |