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A Socially Awkward Guy At Church Asked Me For Advice. – Deborah

“Dear Steve,

A 24 year old guy at church asked me for advice about his debt. He is uneducated, unemployed, socially awkward, below average IQ, months behind in his rent, has no relatives he can count on, owes 25k in credit card debt to Chase, has no assets whatsoever – no phone, no car. He does not have ANY money for bankruptcy/atty fees and somehow he thinks he will pay back the debt someday. He gets his food from the church pantry.

What’s the worst that can happen to him if the bank takes him to court as they’ve threatened?



Dear Deborah,

If he is employed the bank could possibly garnish his wages. I don’t know how he could get by with less.

If you’ve got a bankruptcy attorney in church that can help him, do that. Otherwise you might want to checkout pro bono bankruptcy clinics and see if there is one near you.

Bankruptcy seems like the most logical solution at this point. It will stop and lawsuits and stop collection activity. It will give him a chance to get caught up on rent and it is really his only shot at getting a fresh start.

Bankruptcy may be overwhelming for him so if you or someone else could go with him to the meeting with the bankruptcy attorney, that would be helpful.

You can always find a local bankruptcy attorney by clicking here.

By the way, you or someone else may want to check to see if he is eligible for any government benefit programs. It sounds like there are many that he might qualify for.

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.

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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