My Sone Went to Jail and I Paid for His Lawyer on My Credit Cards. – Norman

“Dear Steve,

Hello, I owe a total of $10,000. ($5,000 to Visa $5,000 to MasterCard) I have had perfect credit for the past 15 years. I had to spend $10,000 on a lawyer for my son. (the plan was for him to be released and he would pay this off, he will be released on June 2013) Now I am 69 days past due on both credit cards. I currently make a net take home of $1,600 per month. My monthly spending on Rent, Electric, Water, Gas (heat), Phone, and Car Insurance is $1,300 per month. That leaves me with $300 cash. After $100.00 food and $120.00 fuel I now have $80.00.

I wished I can ask the credit cards to hold off until June 2013, but I know thats a waste of time. As soon as I get wage garnishment I am screwed. What do I do??


Dear Norman,

I’m sorry to hear about your situation. It must be very stressful.

It sounds as if you are currently employed right now and not living on social security. If you are getting a check from an employer then if you are sued, lose, and the creditor goes for a wage garnishment then your pay. But that depends also on what state you live in. Let me know by posting a comment below.

It does not sound like there is an expectation you can afford to pay the debt and a creditor is not going to wait for payment.

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.
Damon Day - Pro Debt Coach

Steve Rhode
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