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How Do I Get Out of – Ella

“Dear Steve,

I signed up with Legal Helpers Debt Resolution over a year ago. I saw that they were being sued attorney general.

I want to leave them. I just don’t know how to go about doing it. I have around 30,000 in credit card debt. The debt accumilated over 10 years. I feel that I would do better maybe talking to the companies on my own.

They had said they cleared one account. I’m being sued by some companies and they just tell me that I don’t have enough in my “account”. That I need to put extra money but I don’t have extra money.

I want to get it to where I can start talking to the credit card companies or the creditors and settle this without them. I was recommended by a creditor to as for .50 cents on the dollar. I only bring home 1600 a month and I have student loans on top of paying LHDR. I’m trying to find a part-time job. I have student loans that are kicking in and I can’t afford to make the payments.


Dear Ella,

Based on what you’ve shared I don’t see how your finances give you a chance of success settling the debt on your limited income. Now that you are being sued and your financial pressure is increasing you may want to consider turning to bankruptcy to stop the lawsuits and discharge your other debt to make room for your higher priority student loan payments.

You can click here to find a local bankruptcy attorney and you can attempt to get a refund for fees paid to Legal Helpers by following the link.

Please post your responses and follow-up messages to me on this in the comments section below.

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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.

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