I Am Pregnant and Unemployed. Are Their Companies That Can Provide Me With Debt Relief? – Chris

“Dear Steve,

I’m 3 months pregnant. I have been out of work since February of this year. I have an outstanding credit card debt of approximately $12,000. I’m afraid that I won’t find a job soon to pay off my debt and eventually be homeless with child.

Are there any companies that provide debt relief for someone who is unempolyed?


Dear Chris,

Yes, they are called bankruptcy attorneys. No credit counseling or debt management office will touch you because you need to afford to pay them around your regular monthly payment for them to help.

Nobody is going to give you a loan, unless it is a scam outfit. And even if you did manage to land a job right now you have some pretty big hurdles to overcome in the near future. Once the baby arrives you will have daycare and additional expenses.

I would bet that any debt repayment plan you enter into now, will fail in eight months once those new expenses kick in.

You’ll have to swallow the bitter pill of bankruptcy now to get yourself ready to properly care for your baby when it arrives.


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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