I Need Some Advice and Referrals For Bankruptcy and a Debt Financial Counselor. – Georgina


“Dear Steve,

I owe a total of about 130k in cc & student loan debt. Student loans account for 70k. not sure how to start repay or bankrupy. I’m just 2 years back in workforce now. I make 50k yr with room for increase near future. Help, overwhelmed

I need some referrals for debt finanical counselors and or bnkruptcy and advice on what to do.


Dear Georginia,

Well you’ve come to the right place for recommendations on what to do. Let’s start at the top then.

Your student loan debt is large but on that you should contact your student loan lender and see what consolidation opportunities might exist. If it is a government backed loan there are options available through the Department of Education or whoever is servicing your loan for you.

Here are two quick links for you for referrals.

  1. Click here for debt management information.
  2. Click here for bankruptcy information.

Based only on what you’ve shared with me it would be impossible for me to make a life decision for you. But what you should do is use the links above to contact the different groups and ask for an evaluation of your situation. Armed with information from the debt management folks and the bankruptcy people you will then be in a better situation to make an educated and informed decision about which path is right for you.

Just bear in mind that student loans are typically not dischargeable in bankruptcy.

After you explore those links above and have your free consultations, come back if you have any additional questions and I’ll be happy to help you further.


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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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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