How Do I Get Out of Debt if I Have No Work? – C

“Dear Steve,

I am currently an independent contractor with 3 dyas of work in the last 4months, I lost my mother who was the care giver for my stepfather, all the insurance and financials are in his name. he is currently in a rehab facility and has been there for 3wks and he can not be left alone when he is home so I have no access to anything. His kids promised to help but they have all left me here to take care of him with no support. I have 5 kids and soon to get married and my bank accounts are currently empty. I owe child support, the IRS and a slew of others. Things were looking decent until about 6months ago when I needed minor back surgery.

How do I get out of debt if I have no work and I am unable to get a job because of my credit & situation?


Dear C,

There are very, very few jobs where people are actually unable to be employed due to credit history. So that’s not a concern.

If you are faced with an impossible situation with no expectation of repayment then you need to seriously consider bankruptcy to get a fresh start. Bankruptcy will help with your other debts, but the IRS debt will remain. Still, that might be a significant relief for you.

Click here to find a local bankruptcy attorney you like and go talk to them.

You might want to ask those family members that have dumped this situation on you to pitch in and pay for the bankruptcy. It’s only fair.


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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