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I’m So in Debt I’ve Lost the Joy of Being Alive. – Carol

“Dear Steve,

I am so deep in debt that i have actually lost the joy of being alive. so i just searched the net for help and stumbled upon this site.

I think i made a series of mistakes, lived above my means, love to make everybody happy in my family, enjoy being labeled ‘good’, helpful’, ‘nice’….and soon i was caught deep in debt. last weekend, i actually wrote a suicide not, coz i just cannot find joy in living anymore.

It turns out that because my name has been blacklisted, no bank or financial institution can help me, even though i earn quite a reasonable salary.

Debt Consolidation or help of any form is absent, yet i know that there are so many people suffering, with no hope of recovering. i know of several incidents where people have actually committed suicide.

Is it possible to get out of debt by negotiating debt settlement on behalf of others? the pain that i feel is so great that i would like to start a business in Botswana that will give people buried in debt second chance. how can i help others and help myself in return? how does one with a genuine interest like me start? i really want to do this, plus i think i have the skills to do it. please help me.


Dear Carol,

No worries. Let’s get you quickly back on track and headed towards a solution. The feelings of hopelessness and emotional fatigue are completely normal, not rational, but normal.

Your debt isn’t going to kill you, only you can do that. But the pain of the debt builds because you can’t see any way out. Also, I would predict, your depression is holding you back from creating a plan, sticking to it, and carrying it out.

Let’s take a look at your options by using my free How to Get Out of Debt Calculator to review your options.

Once you see what solutions are available you can then weigh your options and make a better and more informed decision about how to best tackle your debt.

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Don’t despair. Help is around the corner and soon you can have embarked on a plan to begin to put all this behind you and enjoy life again.

I think you’ll also get a lot out of reading How to Get Out of Debt. The Honest and Unvarnished Truth.

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


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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