I’m Bipolar, Disabled and In Debt. – Christinia

“Dear Steve,

Declared disabled by Mental Illness a few years ago. Have nearly 20,000 in credit card debt. Currently vollecting ssd and working a menial pt job. Cards were opened before breakdown when i had a good job. Can not work like that any longer. All my pt job money and SSD extra go to paying this debt. Did stupid things like bought daughter a used car and just paid her bills all from in & out of bipolar. Can I at least get it cut down. i am nearly 57 yrs old and don not need a good credit scaore any longer I will never own a house or buy a car. i will be paying this down until I die. It adds to my depression and anxiety.

Can I get debt cut down? I have been paying at least minimum , never missed. It is slowly killing me. I took trip to alaska to say ggodbye to son going back to iraq and see grandkids in 2008…..I try not to use cards anymore. they cut my credit down and raised by interest rates. I am so sad and tired . Can I do anything?


Dear Christina,

Some might tell you since you are in a position where creditors can’t seemingly garnish your income to just do nothing, but not me. Seeing how this debt is behind you now I’d rather see you address it by talking to a local bankruptcy attorney. Here’s why. There is no part of your life that is going to be served in a positive way by you dealing with debt which there is no expectation you are going to be able to repay. Collection activity and lawsuits at this point will only serve to aggravate you and your mental health but not result in satisfactory outcome for your creditors.

Because of your financial condition and your disability you may be eligible for free legal help to file bankruptcy, click here for to find a free bankruptcy attorney.

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Once you go bankrupt and close the door on this old debt you can then focus on moving forward, living within your benefits and taking care of yourself for a better tomorrow.


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

Steve Rhode

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