Single Mother of 6, Working Full Time and Going to School. – Walquiria

“Dear Steve,

single mother of 6… I hold a full time job plus I go to school 3 nights a week

Hi Steve I am a single mother of 6. I work full time and I go to school 3 nights a week. I got divorced about 4 years ago, I would like buy a house for my children but unfortunately because of all my debs including the ones I inherited from my divorce are stopping me from accomplish my dream. I owe a total of 15,000 dollar. Which is not a lot per said but when you have to provide for your family as a single parents it can be very difficult.

I appreciate any advised you can give me. I really need to buy a house. It do not matter how many goals I accomplish in my life I will never feel complete till I buy a house for my children….


big family narrow

Dear Walquiria,

Wow. You must have a lot of energy.

The first stop should be for you to look on Benefits.gov to make sure you are receiving all the public benefits you are entitled to. Every dollar in entitled benefits helps to lessen your financial load.

I’m going to make a big assumption from your question. I’m assuming that because of everything else that is going on that you are simply unable to make a dent in reducing the debt.

If you are not able to find additional benefits you may be eligible for to help lower the strain on your income so you can afford the payments on the debt, then I would suggest you talk to a local bankruptcy attorney.

While the amount of your debt is not huge, it appears to be holding you back from moving forward towards a better life for you and your children.

Filing bankruptcy does not mean you will not be able to buy a house in the future. In fact it might just help you to do that since then you can devote extra money each month towards saving for a down payment.

You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.

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


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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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