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I’m Feeling Totally Helpless at the Moment. – Marc

“Dear Steve,

Self employed but all my clients went out of business in the recession.

I have child support to pay college tuition and at moment have no income at all. I am in major debt, over 100,000 and can not find any job in my field at all.

Very desperate no idea what to do don’t have money to pay legal bills to even file bankruptcy.

Reading the post on suicide and unemployed makes me feel totally hopeless —maybe that is the only way out.

Where can I get some help I am totally desperate at moment.


Dear Marc,

First, I’ve lived through debt and know it can be emotionally debilitating. It sucks, truly.

Next, it is what it is. You creditors may sue you, it’s their right to do that. It doesn’t sound like you can do much about that at the moment. In fact it sounds like you are simply better served by turning your thought from worry and fear to looking forward and trying to build a better future. I know that is damn hard in the current situation but the sooner you understand that focusing on building new income or finding a job, hell work temp jobs, the sooner things will start to lookup.

While you might currently qualify for pro bono bankruptcy assistance it really is not the priority at the moment. Finding income is. And once money does start to come in you can kill any lawsuits you may receive in the near future, discharge all your unsecured debt, and then have a chance to focus on repaying child support and student loans.

Here is my game plan.

  1. Put the debt aside and stop using life energy worrying about it.
  2. Focus instead on replacing lost income. If not for you, do it for your child.
  3. Once you start making money, click here to find a local bankruptcy attorney.

Photo: Stenz

Suicide and desperation need not be considerations if you follow this game plan. You are only a couple weeks away from your life turning around for the better if you just mentally discharge the debt and work on making your income situation better.

READ  Suicide Over Student Loans. Tragic But Understandable.

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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