| # | Questions | Consolidation loan | Consolidation program |
| 1. | Does it offer free counseling? | ||
| 2. | Does it trim down the outstanding balances? | ||
| 3. | Does it reduce your monthly payments? | ||
| 4. | Does it help you negotiate with your creditors? | ||
| 5. | Does it help to slash interest rates? | ||
| 6. | Does it stop collection calls? | ||
| 7. | Can your creditors register a case against you? | ||
| 8. | Does it require you to pay a fee? | ||
| 9. | Can you repay unsecured debts? | ||
| 10. | Do you need to pledge security? | ||
| 11. | Is it an expensive way to repay debt? | ||
| 12. | Are you paying more money in total? | ||
| 13. | Does it assist you pay back secured loans? | ||
| 14. | Does it make a positive impact on credit score? | ||
| 15. | Is the repayment term short? | ||
| 16. | Is it compulsory to draw up a contract? | ||
| 17. | Is it offered by a bank? | ||
| 18. | Does it require you to pay tax? | ||
| 19. | Is it necessary to have equity in your home? | ||
| 20. | Can you clear your dues with single monthly payments? | ||
| 21. | Does it help you ditch your debts? | ||
| 22. | Is there any credit check? | ||
| 23. | Can you still use your credit cards? | ||
| 24. | Can you buy a property in future? | ||
| 25. | Is bankruptcy a better option? | ||
| 26. | Can you leave it in the midway? | ||
| 27. | Does it help repay cash advance loans? | ||
| 28. | Can you repay student loans? | ||
| 29. | Can your property be foreclosed? | ||
| 30. | Do you need to hire an attorney? | ||
| 31. | Can you repay utility bills? |