Income Reduced by Half Due to Unemployment and Creditors are Taking Legal Action. – Jackie

“Dear Steve,

I have a few credit card that I am behind on payments,one is about to take legal action against me,Spouse have been unemployed since 2008,unemployment ran out in 2009,unable to find full time work. Have been able to get some temp work through temp employment agencies,only feww weeks at a time.Decrease in household income–50%.

where can I locate some legal help for free or at a low cost to help me with tis pending issues?
who are the best debt consolidators in Florida?


Dear Jackie,

Consolidating your debt does not seem like the first solution that comes to mind for the situation you describe.

It appears that your situation is one of underemployment and an uncertain income stream moving forward. An extended repayment plan would be just setting you up for even more of a disaster.

I know you probably feel frustrated and in a corner, but the goal here is not to jump at an assumed option, but the best option for the situation. Dealing with just the one issue at hand at the moment does little to deal with the overall situation.

I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

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.

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Damon Day - Pro Debt Coach

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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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