Stationed in Okinawa Japan (Kadena AB). Currently $40,000 to $45,000 in debt; too far behind on payments to get caught up; have enough money for the monthly payment.
While being here in Okinawa, is there a way for us to get help with Consumer Credit or a debt management program? I know that bankruptcy is not an option since we can not be in the US for a hearing.
Help is easily available. Debt management companies routinely assist U.S. service members all over the world. In my day I even remember one client we had that was on the front lines of a war and as soon as a satellite connect was established he was emailing back for help with his account.
With these days of internet connection, scanning or faxing, it does not matter where the group is that you are working with. Since you are in the military you can have your monthly debt management payment debited from your pay and sent straight to the debt management company.
Before we head down the bankruptcy route, contact this debt management company and see if they can help you. They should be able to.