My Unborn Child Died and I’ve Lost Two Jobs. – Mary

“Dear Steve,

Two Job losses,1 death of an unborn child, medical issues and one birth has left me in abandoned credit card accounts but I continued paying on my car from my unemployment payments which recent has also been exhausted. My husband also recently relocated from the UK and has not been able to find a job.

Yesterday I received 4 letters in the mail from law firms stating they have information I have a law suit against me in the county court by Midland funding and so they want to help. I have however not been notified by Midland of the pending suit. I don’t know what to do. I receive minimal assistance from family for my day to day upkeep as I have not been able to find work and my unemployment benefits has ran out.

Your advise is greatly appreciated. Thank you


Just a cow picture to make you feel happy thoughts. Mooo!
Just a cow picture to help you feel happy thoughts. Mooo!

Dear Mary,

I’m so sorry to hear you’ve been dealing with these emotional hurdles. It’s been a tough time, for sure.

I’m assuming you have no assets or real estate equity for a creditor to go after. I would like to know more about how you are making it through the month though.

The reality is if you have no current income then there is nothing to promise the collectors. We also don’t know how much longer this is going to go on so taking aggressive action now to deal with the debt might just be premature.

You also don’t seem to dispute the debt they are trying to collect is a valid debt. It does seem you do owe it.

So the best thing to do right now is nothing. Without any income to make a payment promise you can keep the best you can do is let the creditor sue you if that’s what they want to do. You’ll lose and they might go for a judgment. Since you are currently unemployed they can’t garnish your wages and it does not sound like you have a vault full of cash sitting around to levy.

See also  Lost Job. Unemployment Expired. Living on Social Security. Can't Pay Debts. - Gwen

Focus on getting a new job and once you do then bankruptcy would be a logical solution to consider to deal with the old debt.

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.

Hopefully your UK husband has a spouse visa so he is eligible to work. If not, you need to look into getting him a resident alien card.

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


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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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