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	<title>How to Get Out of Debt With the Get Out of Debt Guy &#187; unemployment office</title>
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		<title>I&#8217;m Laid Off, On Unemployment, And Can&#8217;t Afford My Credit Card Payment. &#8211; Melvin</title>
		<link>http://getoutofdebt.org/7697/im-laid-off-on-unemployment-and-cant-afford-my-credit-card-payment-melvin</link>
		<comments>http://getoutofdebt.org/7697/im-laid-off-on-unemployment-and-cant-afford-my-credit-card-payment-melvin#comments</comments>
		<pubDate>Thu, 28 Jan 2010 17:59:14 +0000</pubDate>
		<dc:creator>Steve Rhode</dc:creator>
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		<guid isPermaLink="false">http://getoutofdebt.org/?p=7697</guid>
		<description><![CDATA[<p><p>From <a href="http://getoutofdebt.org">How to Get Out of Debt</a></p><p>Melvin &#8220;Dear Steve, I am behind a credit card a total of 700.00. I am currently laid off from my job with 3 kids, a rent payment, a car payment, and other household bills. my unemployment is only 326.00 a week. The collection agency has started harassing me with phone calls everyday. What can i [...]</p></p><p><strong>Read the full article at <a href="http://getoutofdebt.org">GetOutOfDebt.org</a>, click here:</strong> <a href="http://getoutofdebt.org/7697/im-laid-off-on-unemployment-and-cant-afford-my-credit-card-payment-melvin">I&#8217;m Laid Off, On Unemployment, And Can&#8217;t Afford My Credit Card Payment. &#8211; Melvin</a></p>]]></description>
			<content:encoded><![CDATA[<p>From <a href="http://getoutofdebt.org">How to Get Out of Debt</a></p><p>Melvin  </p>
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<p>&#8220;Dear Steve,</p>
<p>I am behind a credit card a total of 700.00. I am currently laid off from my job with 3 kids, a rent payment, a car payment, and other household bills. my unemployment is only 326.00 a week. The collection agency has started harassing me with phone calls everyday. What can i do to fix the problem?</p>
<p>Melvin&#8221;</p>
<p></p>
<hr />
<h3 id="the-answer">The Answer:</h3>
<p>&nbsp;</p>
<p>Dear Melvin,</p>
<p>I think there is a huge difference between what you can do and what you want to do. While you want to make everyone happy and silent, you simply can&#8217;t with the income you have coming in right now. </p>
<p>So that leaves with with two options. Either you can stop paying your credit card now, enjoy your days in collections, and then try to clean up the mess when you find a new job, or you can go talk to a bankruptcy attorney and make this unmanageable debt go away.</p>
<p>It costs nothing to talk to most bankruptcy attorneys. Call a few and schedule a free bankruptcy consultation with one that you fancy. Go in and get all your questions answered.</p>
<p><a href="http://getoutofdebt.org/21762/debt-with-dignity">Big Hug!</a></p>
<p><img src="http://cdn3.getoutofdebt.org/img/Steve-Sig.gif?7d8816" width="100" height="46" title="Im Laid Off, On Unemployment, And Cant Afford My Credit Card Payment.   Melvin ask the get out of debt expert  www unemployment com www unemployment www state unemployment wisconsin unemployment weekly unemployment washington unemployment washington state unemployment usa unemployment unemployment wikipedia unemployment weekly claim unemployment website unemployment types unemployment the unemployment tax unemployment stimulus unemployment status unemployment statistics unemployment states unemployment solutions unemployment site unemployment services unemployment rules unemployment requirements unemployment report unemployment rates unemployment rate unemployment questions unemployment qualifications unemployment program unemployment online unemployment on unemployment ok unemployment offices unemployment office locations unemployment office location unemployment office unemployment numbers unemployment news unemployment map unemployment management unemployment line unemployment laws unemployment insurance claims unemployment insurance benefits unemployment insurance unemployment ins unemployment information unemployment in nj unemployment in australia unemployment help unemployment faq unemployment extention unemployment extensions unemployment extension unemployment essay unemployment employer unemployment eligibility unemployment department unemployment definition unemployment cost control unemployment consulting unemployment compensation benefits unemployment compensation unemployment com unemployment claims management unemployment claims unemployment claim weeks unemployment claim unemployment checks unemployment check unemployment center unemployment card unemployment by state unemployment benifits unemployment benifit unemployment benfits unemployment benefits online unemployment benefits unemployment benefit unemployment application unemployment appeals unemployment appeal unemployment answers unemployment agency unemployment 2009 unemployment 2004 unemployment ui unemployment types of unemployment texas unemployment structural unemployment state unemployment tax state unemployment office state unemployment insurance state unemployment receive unemployment qualifications for unemployment pennsylvania unemployment partial unemployment pa unemployment oregon unemployment or unemployment ohio unemployment nys unemployment nj unemployment office nj unemployment new york state unemployment new jersey unemployment natural unemployment natural rate of unemployment mt unemployment missouri unemployment minnesota unemployment michigan unemployment mi unemployment massachusetts unemployment maryland unemployment marvin unemployment la unemployment job unemployment in unemployment illinois unemployment how to file for unemployment hidden unemployment getting unemployment frictional unemployment france unemployment fluid unemployment florida unemployment filing unemployment filing for unemployment file unemployment file for unemployment online file for unemployment benefits file for unemployment federal unemployment extended unemployment emergency unemployment edd unemployment cyclical unemployment colorado unemployment collecting unemployment collect unemployment co unemployment claiming unemployment california unemployment arizona unemployment apply unemployment apply for unemployment benefits apply for unemployment " alt="Im Laid Off, On Unemployment, And Cant Afford My Credit Card Payment.   Melvin www unemployment com www unemployment www state unemployment wisconsin unemployment weekly unemployment washington unemployment washington state unemployment usa unemployment unemployment wikipedia unemployment weekly claim unemployment website unemployment types unemployment the unemployment tax unemployment stimulus unemployment status unemployment statistics unemployment states unemployment solutions unemployment site unemployment services unemployment rules unemployment requirements unemployment report unemployment rates unemployment rate unemployment questions unemployment qualifications unemployment program unemployment online unemployment on unemployment ok unemployment offices unemployment office locations unemployment office location unemployment office unemployment numbers unemployment news unemployment map unemployment management unemployment line unemployment laws unemployment insurance claims unemployment insurance benefits unemployment insurance unemployment ins unemployment information unemployment in nj unemployment in australia unemployment help unemployment faq unemployment extention unemployment extensions unemployment extension unemployment essay unemployment employer unemployment eligibility unemployment department unemployment definition unemployment cost control unemployment consulting unemployment compensation benefits unemployment compensation unemployment com unemployment claims management unemployment claims unemployment claim weeks unemployment claim unemployment checks unemployment check unemployment center unemployment card unemployment by state unemployment benifits unemployment benifit unemployment benfits unemployment benefits online unemployment benefits unemployment benefit unemployment application unemployment appeals unemployment appeal unemployment answers unemployment agency unemployment 2009 unemployment 2004 unemployment ui unemployment types of unemployment texas unemployment structural unemployment state unemployment tax state unemployment office state unemployment insurance state unemployment receive unemployment qualifications for unemployment pennsylvania unemployment partial unemployment pa unemployment oregon unemployment or unemployment ohio unemployment nys unemployment nj unemployment office nj unemployment new york state unemployment new jersey unemployment natural unemployment natural rate of unemployment mt unemployment missouri unemployment minnesota unemployment michigan unemployment mi unemployment massachusetts unemployment maryland unemployment marvin unemployment la unemployment job unemployment in unemployment illinois unemployment how to file for unemployment hidden unemployment getting unemployment frictional unemployment france unemployment fluid unemployment florida unemployment filing unemployment filing for unemployment file unemployment file for unemployment online file for unemployment benefits file for unemployment federal unemployment extended unemployment emergency unemployment edd unemployment cyclical unemployment colorado unemployment collecting unemployment collect unemployment co unemployment claiming unemployment california unemployment arizona unemployment apply unemployment apply for unemployment benefits apply for unemployment  ask the get out of debt expert " /><br /><a href="http://twitter.com/GetOutOfDebtGuy">@GetOutOfDebtGuy</a></p>
<p>P.S. Be sure to read &#8216;<a href="http://getoutofdebt.org/7684/the-secret-of-surviving-through-difficult-economic-times-what-i-learned-on-my-journey">The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey</a>&#8216;.</p>
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<div id="wpcr_respond_1"></div><h3  class="related_post_title">Other Related Articles to Read</h3><ul class="related_post"><li><a href="http://getoutofdebt.org/23925/unemployment-benefits-extension-not-to-be-found-bills-due-collectors-calling-what-next" title="Unemployment Benefits Extension Not to Be Found. Bills Due. Collectors Calling. What Next?">Unemployment Benefits Extension Not to Be Found. Bills Due. Collectors Calling. What Next?</a></li><li><a href="http://getoutofdebt.org/32153/is-bank-of-america-taking-advantage-of-the-unemployed-with-debit-card-fees" title="Is Bank Of America Taking Advantage Of The Unemployed With Debit Card Fees?">Is Bank Of America Taking Advantage Of The Unemployed With Debit Card Fees?</a></li><li><a href="http://getoutofdebt.org/31445/unstructured-structuring-scam" title="Unstructured &#8220;Structuring&#8221; Scam">Unstructured &#8220;Structuring&#8221; Scam</a></li><li><a href="http://getoutofdebt.org/22237/im-two-weeks-away-from-unemployment-is-bankruptcy-something-worth-looking-at-mel" title="I&#8217;m Two Weeks Away From Unemployment. Is Bankruptcy Something Worth Looking At? &#8211; Mel">I&#8217;m Two Weeks Away From Unemployment. Is Bankruptcy Something Worth Looking At? &#8211; Mel</a></li><li><a href="http://getoutofdebt.org/16923/bank-of-america-wont-help-me-at-all-donna" title="Bank of America Won&#8217;t Help Me At All. &#8211; Donna">Bank of America Won&#8217;t Help Me At All. &#8211; Donna</a></li><li><a href="http://getoutofdebt.org/7335/my-ex-husband-says-i-defrauded-him-by-paying-his-bills-ni" title="My Ex-Husband Says I Defrauded Him By Paying His Bills. &#8211; NI">My Ex-Husband Says I Defrauded Him By Paying His Bills. &#8211; NI</a></li><li><a href="http://getoutofdebt.org/9730/i-think-chapter-7-bankruptcy-might-be-my-only-recourse-steve" title="I Think Chapter 7 Bankruptcy Might Be My Only Recourse. &#8211; Steve">I Think Chapter 7 Bankruptcy Might Be My Only Recourse. &#8211; Steve</a></li><li><a href="http://getoutofdebt.org/4487/citigroup-to-say-goodbye-to-39500-more-workers" title="Citigroup to Say Goodbye to 39,500 More Workers">Citigroup to Say Goodbye to 39,500 More Workers</a></li><li><a href="http://getoutofdebt.org/34091/did-you-get-paid-unemployment-benefits-in-2011-prepare-to-pay-the-taxes" title="Did You Get Paid Unemployment Benefits in 2011? Prepare to Pay the Taxes.">Did You Get Paid Unemployment Benefits in 2011? Prepare to Pay the Taxes.</a></li><li><a href="http://getoutofdebt.org/32871/im-so-embarrassed-about-my-financial-situation-frances" title="I&#8217;m So Embarrassed About My Financial Situation. &#8211; Frances">I&#8217;m So Embarrassed About My Financial Situation. &#8211; Frances</a></li></ul><p><strong>Read the full article at <a href="http://getoutofdebt.org">GetOutOfDebt.org</a>, click here:</strong> <a href="http://getoutofdebt.org/7697/im-laid-off-on-unemployment-and-cant-afford-my-credit-card-payment-melvin">I&#8217;m Laid Off, On Unemployment, And Can&#8217;t Afford My Credit Card Payment. &#8211; Melvin</a></p>]]></content:encoded>
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		<title>Citigroup to Say Goodbye to 39,500 More Workers</title>
		<link>http://getoutofdebt.org/4487/citigroup-to-say-goodbye-to-39500-more-workers</link>
		<comments>http://getoutofdebt.org/4487/citigroup-to-say-goodbye-to-39500-more-workers#comments</comments>
		<pubDate>Mon, 17 Nov 2008 22:01:23 +0000</pubDate>
		<dc:creator>Steve Rhode</dc:creator>
				<category><![CDATA[Banking]]></category>
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		<description><![CDATA[<p><p>From <a href="http://getoutofdebt.org">How to Get Out of Debt</a></p><p>Kerthunk! That&#8217;s the sound of the other shoe dropping on Citigroup. I thought I was ahead of the game when just last week I wrote Citibank to Fire 10,000 Workers And Raise Your Interest Rates. Well at least I got the raise your rates part right. Seems I was off by about 38,000 more Citigroup [...]</p></p><p><strong>Read the full article at <a href="http://getoutofdebt.org">GetOutOfDebt.org</a>, click here:</strong> <a href="http://getoutofdebt.org/4487/citigroup-to-say-goodbye-to-39500-more-workers">Citigroup to Say Goodbye to 39,500 More Workers</a></p>]]></description>
			<content:encoded><![CDATA[<p>From <a href="http://getoutofdebt.org">How to Get Out of Debt</a></p><p>Kerthunk! That&#8217;s the sound of the other shoe dropping on Citigroup. I thought I was ahead of the game when just last week I wrote <a href="http://getoutofdebt.org/4248/citibank-to-fire-10000-workers-and-raise-your-interest-rates">Citibank to Fire 10,000 Workers And Raise Your Interest Rates</a>. Well at least I got the raise your rates part right.</p>
<p>Seems I was off by about 38,000 more Citigroup and Citibank employees that won&#8217;t be taking your money anymore. Instead, they&#8217;ll be taking their pink slip to the unemployment office for one of those really small unemployment checks.</p>
<p>Citigroup, on top of the 10,000 jobs I reported that would be lost last time has just announced further restructuring that kisses goodbye to an additional 18,000 employees by selling their business units to someone else. Another 21,500 workers will just be getting the boot.</p>
<p>If you put all these cuts and disposals together, Citigroup in total will have shed about 52,000 jobs in just the past few months.</p>
<p>What will be next, $150 credit card late fees and 132% default rate on credit cards to help make up for losses by one of the more brilliant financial groups in the country. Hey, if they couldn&#8217;t get this right then what hope is there for the average consumer.</p>
<p>I know, for everyone that has a Citibank card in their wallet, let&#8217;s fire it. It wouldn&#8217;t do much but it sure would feel good.</p>
<div id="wpcr_respond_1"></div><h3  class="related_post_title">Other Related Articles to Read</h3><ul class="related_post"><li><a href="http://getoutofdebt.org/7697/im-laid-off-on-unemployment-and-cant-afford-my-credit-card-payment-melvin" title="I&#8217;m Laid Off, On Unemployment, And Can&#8217;t Afford My Credit Card Payment. &#8211; Melvin">I&#8217;m Laid Off, On Unemployment, And Can&#8217;t Afford My Credit Card Payment. &#8211; Melvin</a></li><li><a href="http://getoutofdebt.org/37287/occ-issues-cease-and-desist-letter-against-citibank" title="OCC Issues Cease and Desist Letter Against Citibank">OCC Issues Cease and Desist Letter Against Citibank</a></li><li><a href="http://getoutofdebt.org/37764/citibank-scam-complaint-review-or-praise" title="Citibank   &#8211; Scam, Complaint, Review, or Praise?">Citibank   &#8211; Scam, Complaint, Review, or Praise?</a></li><li><a href="http://getoutofdebt.org/33484/were-you-foreclosed-on-in-2009-or-2010-get-a-free-independent-foreclosure-review" title="Were You Foreclosed on in 2009 or 2010? Get a Free Independent Foreclosure Review">Were You Foreclosed on in 2009 or 2010? Get a Free Independent Foreclosure Review</a></li><li><a href="http://getoutofdebt.org/33056/to-catch-a-financial-predator" title="To Catch A Financial Predator">To Catch A Financial Predator</a></li><li><a href="http://getoutofdebt.org/29382/my-unemployment-ca-checks-are-not-enough" title="My Unemployment CA Checks Are Not Enough.">My Unemployment CA Checks Are Not Enough.</a></li><li><a href="http://getoutofdebt.org/28141/i-cant-dig-my-way-out-from-under-my-citibank-card-and-we-have-a-child-on-the-way-kristen" title="I Can&#8217;t Dig My Way Out From Under My Citibank Card and We Have a Child on the Way. &#8211; Kristen">I Can&#8217;t Dig My Way Out From Under My Citibank Card and We Have a Child on the Way. &#8211; Kristen</a></li><li><a href="http://getoutofdebt.org/27747/chase-and-citibank-said-to-be-refusing-escrow-company-payments-on-debt-settlements" title="Chase and Citibank Said to be Refusing Escrow Company Payments on Debt Settlements">Chase and Citibank Said to be Refusing Escrow Company Payments on Debt Settlements</a></li><li><a href="http://getoutofdebt.org/27103/citibank-debt-collectors-reportedly-killed-debtor-for-complaining-about-credit-card-balance" title="Citibank Debt Collectors Reportedly Killed Debtor for Complaining About Credit Card Balance">Citibank Debt Collectors Reportedly Killed Debtor for Complaining About Credit Card Balance</a></li><li><a href="http://getoutofdebt.org/25758/ftc-v-citigroup" title="FTC v. Citigroup">FTC v. Citigroup</a></li></ul><p><strong>Read the full article at <a href="http://getoutofdebt.org">GetOutOfDebt.org</a>, click here:</strong> <a href="http://getoutofdebt.org/4487/citigroup-to-say-goodbye-to-39500-more-workers">Citigroup to Say Goodbye to 39,500 More Workers</a></p>]]></content:encoded>
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