Written By: Jing Jian Xiao, Barbara M. Newman, Janice M. Prochaska, Berta Leon, Robert L. Bassett, and Janet Johnson

The Transtheoretical Model of Change (TMM) provided the framework for developing a measure to assess readiness to get out of credit card debt with consumers who are having credit card debt troubles. Key constructs of TTM include stages of change, decisional balance, self-efficacy, and processes of change. The items for the measure were developed by qualitative interviews with experts in credit counseling and consumers with debt troubles. A survey was then completed with a reliability and validity of the measure. The results have potential for use by counseling practitioners, educators and researchers. Keywords: behavior modification, consumer behavior, credit card debt, financial management

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