Was Going to File Bankruptcy But My Father Died Leaving Me Some Money. – Brenda

“Dear Steve,

I have 4 credit cards totaling $29,000. Need more reasonable payments and lower interest rate.
I recently had to take a pay cut and had surgery with 6 wks unpaid and I am now between 60 and 90 days late.

I had a lawyer and was going to apply for bankruptcy but now my father has passed and I will be getting some money so they told me I need to find a program to pay back my debt.

Who should I go to?

Please advise me. Thank you.


Decision time

Dear Brenda,

I’m so sorry to hear about the loss of your father.

Maybe you can share a bit more about your situation. How much money will you be getting and when do you think you will get it?

We need to contemplate if that will change the strategy and lead to the selection of a more appropriate program or if waiting to take action will be a better approach.

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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