Do you wake up at night worrying about unpaid bills? Are your expenses and payments more than you earn? Are you being pressured with letters and phone calls from creditors? Do you frequently use credit card cash advances? Are you at or near your credit limits? Are you using one credit card to pay off another?

If you answered yes to more than one of these, you may be in financial trouble, but you are not alone. Thousands of people across the nation face money problems each year. Some people fail to accurately calculate their income and expenses, some overuse credit cards, and some people experience sudden and unexpected changes in their financial circumstances. Debt, defaults and bankruptcy are on the rise. Even if you are in debt, you may have options other than bankruptcy. Chestnut Credit Counseling Services (CCCS) helps individuals and families with financial problems through assistance with budget planning, money management and planned debt liquidation.