How Can I Get Past This Bad Debt And On With My Life? – Amanda

“Dear Steve,

I went through a divorce for about 1 1/2 yrs. and it was final in May 2009. We had our car repossessed in Jan 09, fell behind on credit card pmts (most all in my name) totalling approx $ 30,000.00 and now my home was foreclosed on by BOA, even though they admitted to giving me false information about a loan modification in which I had applied for!

Now I have to find a new place to live and I am a single 26yr old working mother of 1 child. How can I get passed this debt. I had always been responsible about my credit rating and payments to all of my debts, however I don’t have any help and it became impossible to manage all of this on my own.

I have a great stable job and want to get my life back. Is there anyway of getting some kind of money out of my foreclosure? I have owned the home since 2002. Now I am lookin g at $2000.00 for deposit on a lease home and won’t have any funds available until 1/1/10 (next pay period). Any advise or resources (that won’t cost me even more money that I don’t have) would be greatly appreciated. I am so tired of 50+ calls a day on my cell and at work. Please help!


Dear Amanda,

I understand things are tight but the way out is going to cost you some money to hire a bankruptcy attorney to represent you. Yes, I said it, bankruptcy.

I know your credit is important to you but the only legal way to silence the creditors and collectors quickly is going to be with the legal process of bankruptcy. Bankruptcy gives you rights and protections under the law. Under bankruptcy the creditors and collectors may not call you anymore and the debt will either be wiped out or a reasonable payment plan you can afford will be created.

Bankruptcy will give you a fresh start, a chance to rebuild your life, and the ability to have good credit again.


Click here to find a local bankruptcy attorney you like and make an appointment ASAP. You don’t have to go into the free appointment with any money, just go, talk to the attorney, and learn what bankruptcy would mean for you. I think you’ll walk away seeing how it is the best remedy for you in this difficult and stressful situation.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Do you have a question you'd like to ask me for free? Go ahead and click here.
Damon Day - Pro Debt Coach

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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.
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