My Husband Got Hurt. We Can’t Do Any Balance Transfers. – Jean

“Dear Steve,

My husband got hurt which now is on a fixed income and i make 10.00/hr with 40 hour weeks. We have the usual bills.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

We have 20,000+ worth of debt on our credit cards combined. I cannot do any balance transfers because they say that my debt is to high, what can i do? Is there any help for me?


Dear Jean,

Without the expectation of sufficient income coming in the only legal protection you have from creditors is under bankruptcy.

Since your income has been reduced you may qualify for a Chapter 7 bankruptcy where all the debt would be quickly eliminated. Then you could focus on making it month-to-month with the burden of bills you just can’t pay.

Click here to find a local bankruptcy attorney you like.

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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