I Live in Guatemala and I Can’t Pay My Credit Cards. – Jose

“Dear Steve,

Hey, i live in Guatemala and i have a credit card with limit of 1k US dollars, i had use around $800, i have another one with limit of $500 wich has used around $300 i was paying around twice the minimum fee every month but then the construction company that i worked for had a problem with their payments (they work with the goverment) and we, the employees, did not receive our payments for like 5 or 6 months and when we did we received it in small payments until they were paid completely, so i was not paying anything to the credit card company for those 6 months then i made the little payments i could, after that i went to mexico for a few months to work with some relatives and didn’t have much luck making the money i needed to pay my debt so.

i already went to a couple of banks asking for a loan but i get the same answer that i have that bad credit and i can’t get the money to pay my debt, right now all i know is that a different company is handling my account and that they will take my salary if i get a job, i’m 26 and i really didn’t care to much about that not so big debt because i thought i could gather the money to pay in full but i haven’t been able to do so…

i haven’t call the new company because i’m afraid of them… when i got back i found a letter saying that i was being sued and that i couldn’t leave the country until the debt is settle, also that they would take any valuables i have and my paycheck (i’m not sure of the english word for that in spanish is “embargo”) so i’m not working right now but i want to know what i am able to do right now? can i get a job while having that? or do i need to settle that before i could apply for a job?


Dear Jose,

What banks are these credit cards with? Were they taken out in the U.S. or in Guatemala?

If you can give me an answer I can give you a better idea on what to do.


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.

Damon Day - Pro Debt Coach

1 thought on “I Live in Guatemala and I Can’t Pay My Credit Cards. – Jose”

  1. Hi, I got the cards from a local Bank of America and another one called promerica (both here in Guatemala), I decided to post here on your site because if the bank procedure or deals are not the same as in the USA maybe you could point me in a way to fix it, I have also consulted with a lawyer and i found out that a couple of the court letters are fake so I’m still trying to sort out the debt.

    I really appreciate your time, a big thank you!


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