Ask The Get Out of Debt Experts Debt Settlement Related

My Son is in Prison and Interested in the Debt Settlement Commercials He Sees. – Carolina

“Dear Steve,

My son has a credit card balance of $17,000. He is in prison and we have been paying $300/month on his card. He has asked us to stop paying, and to find some other way to reduce the balance. He has seen commercials on TV of companies that do that.

Should we just default on the balance? Should we work with the credit card company directly? Or should we find a company that will negotiate with the credit card company to reduce the balance? If the last option, how do we find someone reputable?


Dear Carolina,

I’m afraid I’m left with more questions than answers.

  1. Can he afford to pay $300 a month?
  2. When is he getting out?
  3. Is this credit i your son’s name alone?
  4. Does he want to resolve the debt while he is in jail or prolong the debt and face potential lawsuits?

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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