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Tag Archives: unemployed

Maxed Out and Unemployed. How Do I Get My Creditors to Work With Me? – Glen

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I have 4 cards that are maxed out and I’m unemployed suddenly. I’ve been trying to answer all calls from the creditors and offered to pay a small sum each Monday (online) until I’m caught up. But they keep calling. How do I get the creditors to work with me? Glen It’s time to put debt behind you and start ... Read More »

I’m Unemployed and Being Sued by My Credit Card Company. – Brad

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i received a summons for court. I am being sued by one of the credit card companies. My question is, can I call up the court and request the date to be rescheduled ? And in the meantime look into finding a bankruptcy lawyer ? Or am i required to appear? the problem is that I have now been unemployed ... Read More »

I Got Cancer and My Credit Went South So I Went With First Choice Debt Resolution. – S

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“Dear Steve, I had pristine credit for 10 years and then got cancer in 2008 and also lost my job that same year so at that point I was unable to keep up with my credit cards. I had unfortunately been in a really bad relationship for 5 years and I allowed that person to run up credit card balances. ... Read More »

I’ve Been Aggressively Paying Down Debt But My Unemployment Ends in Three Months. – Shelia

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“Dear Steve, I had been aggressively paying down debt over the past couple of years (eliminated car loan and student loan long ago, and I have paid down credit card debt). I lost my job in July of 2009, and I have not yet been able to find another to replace it. I have enough to cover my bills in ... Read More »

I’m Two Weeks Away From Unemployment. Is Bankruptcy Something Worth Looking At? – Mel

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“Dear Steve, Two years ago I lost a job of 9 years to a change in command. I was doing well there making $96k a year. I found short term job for 4 months but they had to down-size to stay in business. After that I was off for 1 year. My wife and I, stupidly, used credit cards to ... Read More »

Unemployed Mother-to-Be Behind on Bills. That’s Me. – Amber

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Amber “Dear Steve, I am an unemployed mother to be. I had taken out a bank loan when i had a job, and i lost my job a few months ago. I am now behind on the loan payments and i don’t know what to do. I also have the monthly utility bills due. and rent. Is there anyway to ... Read More »

I Now Lost My Job and We Are Unable to Make All The Payments. – Petra

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“Dear Steve, Both my Husband and I were making ends meet with only a few bucks to spare to save up a little bit. We are making the minimum payments on our credit card bills, have a mortgage, tax debt, 2 auto loans and the usual bills like water, electricity etc. We were in the process of refinancing our house ... Read More »

Credit Consultant Said They Would Charge Us Up to 25% of The Debt. – David

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“Dear Steve, My wife’s company is about to close next week… she owes $21,000 in credit cards to Direct Merchants Bank, Bank of America and Chase. Her minimum payment every moth is $655 per month. She has never been late. I was laid off in April and no work yet. My mom had some debt with Sears and Discover for ... Read More »

How to Survive a Job Loss

Example 1

If you’ve ever lost a job, you know how devastating it can be. It doesn’t really matter how you lost it — a company reorganization, merger, forced retirement or simply being fired — the results are the same. It probably feels like everything you’ve worked for is gone, including your income. And because losing a job is often unexpected, you’re ... Read More »

I’m Unemployed and in a Debt Settlement Plan With Freedom Debt Relief. – Cheryl

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“Dear Steve, Due to job loss and severe health problems over the last 2 years, I have over $75K in credit card debt. My unemployment payments recently stopped and I got scared – so I contacted Freedom Debt Relief. Some of the comments you put up have made me nervous – especially about being sued. I am only a couple ... Read More »

I’m Unemployed, Pregnant, and Can’t Afford to Pay Debt Collectors. – Erin

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“Dear Steve, Unemployed, pregnant, and cant afford the payments demanded by the debt collectors. I am trying to make the demanded payments by the debt collectors, with out defaulting on my car payment, insurance, and medical bills. Do I have to send the collection agency the payment they are demanding, or can I send what little I can afford without ... Read More »

We Have Enough Cash to Make it Four More Months. – Laura

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“Dear Steve, My husband was downsized from his company and due to previous bouts of unemployment we had to make house payments w/credit cards and amassed major debt and did not get that paid off prior to him losing this position. We have enough cash to make it for another 4 months and then we will be tapped out. I’m ... Read More »

I’ve Been Unemployed and Now Can’t Afford My Minimum Payments. – Marco

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“Dear Steve, I have been unemployed since Jan 5th 2009. My UEI covers my hard bills, rent , car loan, car ins, untilities, a little food. I have used my savings to pay my credit bills thinking I would find a job. I have run out of my savings and have made poor mistakes that way I beleive. I have ... Read More »

I’m 60, Unemployed, and Bank of America is Charging Me 27.99%. – Yvonne

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Yvonne “Dear Steve, I can not get Bank Of America to lower my interest rate. It is a whopping 27.99%. The interest I am paying on 9800 is around 285. I am now unemployed and 60 years old. Very hard to find a job at that age, that pays anything. I’m lost on what to do. I have called and ... Read More »

How Can We Get Out of This Credit Card Debt Since We Are Unemployed and Laid Off? – Bobbie

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“Dear Steve, We have about 50K in credit card debt. My husband got laid off the end of Jan. 2010, with little in savings we can’t make our monthly payments with my income and his unemployment. Trying to figure out if we should try to work with the credit card companies themselves or do to a debt management/settlement program or ... Read More »

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