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I Don’t Even Know Where to Begin

“Dear Steve,

Hi, I’m a single parent of two, I have so much debt it feels like I’m drowning.

I have a car note that I’m behind. I’ve been kicked out of my apartment. I have hospital bills, loans from companies to keep up, that didn’t help , but made it worst. I have bill collecters call day and night and work on cell. What can I do to get back on the right track.. I don’t even know where to begin..”

The place to being is anywhere. From what you’ve shared I’m not clear if the problem is a lack of income or debt in excess of what you can manage on your income.

It might just be that you currently earn not enough to meet the basic living expenses and support any debt repayment at all. Let’s examine the income issue first before we rush to implement any debt solution.

Can you post more information on your situation in the comments section please.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


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.

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About the author

Steve Rhode

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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