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I Already Have Bipolar and Clinical Depression Disorders With Panic Attacks and Now Debt. – Kilandra

“Dear Steve,

Credit card debt after being divorced, unable to work, no income, but paying the minimum on it. I need out, it’s stressing me too much and hurting my health more, when I already have bipolar and clinical depression disorders. I used the sale of my car to pay off the one, but I am still $7000 in debt. I’m having panic attacks because of it, and so stressed all the time.

My ex got everything, because i couldn’t afford a lawyer, and the state would not help me because I was out of state for it due to having to move back home with my parents. My parents barely survive, and can’t afford to help me, which is what has been happening. Is there any other option besides bankruptcy? I can’t afford to lose my good credit score because some future things depend on that. Please help, I’m so scared, and so desperate, and have no idea what else to do. I’ve been reading through thousands of articles for several weeks now. Thank you.

Is there a way to get rid of my debt without filing bankruptcy, if I’ve been paying the minimum?


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The Answer

Dear Kilandra,

Debt and depression are tied together and now when you add in bipolar disorder and panic attacks you’ve got a lot of moving objects to try to juggle successfully. The odds, without intervention, is that not much is going to change.

I hear what you are saying about your good credit score, but that can be rebuilt. If you took a hit to your credit score now by filing bankruptcy and that eliminated the debt and stress, the odds are that the panic attacks would greatly diminish and you would be more stable on your medication.

The best order to tackle this in is to put the debt aside for right now and focus on getting your mental health stabilized. Once you feel you are back on an even keel then click here to find a local bankruptcy attorney you like. Discharge the debt with bankruptcy and then we can focus on rebuilding the credit score.

This approach leaves you with a stable foundation, addresses the debt and leaves you in better shape to move forward with a happier life.

What do you think about that approach?

Big Hug!

I Already Have Bipolar and Clinical Depression Disorders With Panic Attacks and Now Debt.   Kilandra
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Kilandra

    I am contemplating your suggestion, and I thank you for your advice. I think that you are very much right in a lot of regards. I have medical expenses, prescriptions, food, and housing, as well as some other things on my credit debt. I didn’t want to just file bankruptcy because I feel guilty doing that, but it would ease a great deal of my stress. Thank you again, and I will keep you updated.
    .-= Kilandra´s last blog ..Capital One Sued by West Virginia Attorney General =-.

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