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I Had to Use My Credit Cards to Live and Pay Bills After My Divorce. – Christine

“Dear Steve,

After getting divorced, I had to use my credit card to live and pay bills, taxes,etc. Then I got remarried and we remodeled our home and bought some new things to go into the home. We both have good jobs and great credit, but we have no savings at all. We are living paycheck to paycheck. We want to consolidate and pay one loan large amounts of money for about 5 years. The amount is $35,000.

How do I get a personal loan that is not a home equity line of credit to pay off all of my debt?


Dear Christine,

You don’t. Nobody is going to give you a loan to consolidate your debts when you are living paycheck-to-paycheck. And if you think that someone will you are just a scam victim waiting to happen.

The closest option you’ve got to making just one monthly payment is a debt management program. A debt management program is not a loan.

I would suggest that you click here to contact a debt management company and if they can’t get you a monthly payment low enough for you to manage then you are probably looking at bankruptcy.


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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About the author

Steve Rhode

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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