Linda wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
“Dear Steve,
Stationed in Okinawa Japan (Kadena AB). Currently $40,000 to $45,000 in debt; too far behind on payments to get caught up; have enough money for the monthly payment.
While being here in Okinawa, is there a way for us to get help with Consumer Credit or a debt management program? I know that bankruptcy is not an option since we can not be in the US for a hearing.
Linda”
The Answer:
Dear Linda,
Help is easily available. Debt management companies routinely assist U.S. service members all over the world. In my day I even remember one client we had that was on the front lines of a war and as soon as a satellite connect was established he was emailing back for help with his account.
With these days of internet connection, scanning or faxing, it does not matter where the group is that you are working with. Since you are in the military you can have your monthly debt management payment debited from your pay and sent straight to the debt management company.
Before we head down the bankruptcy route, contact this debt management company and see if they can help you. They should be able to.
U.S. Air Force Pararescuemen and Japanese Air Self Defense Force (JASDF) Air Rescue personnel carry a litter of supplies from a CH-47 Chinook helicopter on a beach off the coast of Okinawa, Japan during exercise Cope Angel 09-1, Feb. 12, 2009. Cope Angel is a joint rescue exercise between members of the U.S. Air Force and the JASDF. (U.S. Air Force photo/Airman 1st Class Chad Warren)