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Home > Reader Questions > I Was Trying Dave Ramsey But How Do I Get Out of Debt Without Hurting My Credit Score? – Susan

I Was Trying Dave Ramsey But How Do I Get Out of Debt Without Hurting My Credit Score? – Susan

Get out of debt w/o hurting credit score

Consolidated 12,000.00 of credit card debt with revolving credit line a year and a half ago and still paying 401k loan I used to pay off my car. Then had to have root canals and crowns and up to another 3,000.00 of dental debt with a grand total of remaining debt @ about $18,000.00 and was trying the Dave Ramsey way until my hours were cut, then I tried to get a 2nd job like Dave says and after two weeks of waitressing my feet, legs and back are killing me, I have gone into a spiral of depression and everyone keeps telling me to think positive that I should be grateful because it could be worse. So then I feel guilty for feeling bad. I am a single mom, 46 years old and just don’t know what to do next, I did quit the waitress job.

What do I do next?

Susan

It’s time to put debt behind you and start dreaming about your life after debt. – Click to Tweet

The Answer

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About Steve Rhode

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.
  • David L

    If Susan can’t afford to make her minimum payments and has no way of increasing her income, as I see it she has two choices: bankruptcy or debt settlement. She could try settling directly with creditors, but if not successful (which normally is the case) contact a reputable debt settlement company or two and find out what they could do. Check out http://www.tascsite.org for companies that have pledged to abide by the standards of that association.

  • David L

    If Susan can’t afford to make her minimum payments and has no way of increasing her income, as I see it she has two choices: bankruptcy or debt settlement. She could try settling directly with creditors, but if not successful (which normally is the case) contact a reputable debt settlement company or two and find out what they could do. Check out http://www.tascsite.org for companies that have pledged to abide by the standards of that association.

  • Taxwork

    Worry about killing your debt, NOT about being able to get more credit.

  • Taxwork

    Worry about killing your debt, NOT about being able to get more credit.

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