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I Am Desperate and Can’t Afford Bankruptcy. – Janie

“Dear Steve,

I have a work history of 30 years. I recently worked for a call center for 8 years. I am on disability for mental health after suffering a breakdown, due to domestic violence and stress from my job. I get 600 a month from disability, and food stamps.

I raised 5 children on my own, after their father left us. I am embarrased about the fact I am on disability. But I guess it is better than suicide. I cannot pay my debt. I have gotten help from my children, but I don’t want to ask them for financial help anymore.

I can barely pay my electric and heat. I used credit cards to pay bills, and now I owe close to 30,000 dollars in credit card debt and medical. I talked to an attorney about bankruptcy, but I cannot afford the fees. I spoke to legal aid, and they advised me to send letters to creditors about my situation, and leave it at that.

Do you have any advise for me? I am becoming desperate!

Thank you,

Janie”

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The Answer

Dear Janie,

Well on one hand it is true that since you have no assets to go after nor income that could be garnished, one option is to do nothing.

The creditors will attempt to collect from you and may eventually sue you but it will all end there. It’s a dead-end exercise for them.

I recently wrote a piece on dealing with collection calls that might help you to see them in a different way. Read “Hooray, You Are in Collections! The Debt Collector is Calling. The Debt Collector is Calling.”

This is truly one of those it is what it is situations. You are living on disability and the collectors can’t touch that for your credit card debt.

The bigger issue is you probably used credit cards to help make ends meet and that is not going to be available to you anymore.

If you have not done so already, go to Benefits.gov and make sure you are receiving all the benefits you are eligible for.

My advice, learn to deal with the collection calls in a positive way, realize it is what it is, and move on.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

I Am Desperate and Cant Afford Bankruptcy.   Janie
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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.
  • Cheryl

    Hi Janie, One more suggestion for you.  Check into your states laws, sometimes you can get the filing fee waived, according to your income.

  • Janie

    Cheryl,
    Thank you so much for the advice. I did check into that, but the court fees are too high, for filing.
    Bless you.

  • cheryl

    Dear Janie, Check in your area for volunteer lawyers. Sometimes they can help people in your situation.——Hang in there!

  • cheryl

    Dear Janie, Check in your area for volunteer lawyers. Sometimes they can help people in your situation.——Hang in there!

    • Janie

      Cheryl,
      Thank you so much for the advice. I did check into that, but the court fees are too high, for filing.
      Bless you.

      • Cheryl

        Hi Janie, One more suggestion for you.  Check into your states laws, sometimes you can get the filing fee waived, according to your income. 

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