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I’m on Active Duty in San Diego But Deep in Debt. What Can We Do? – Andrew


“Dear Steve,

I am active duty and was stationed in San Diego and we dropped to one income and run up an extreme amount of debt (45,000).

I am looking at options and wanted to file Chapter 13 but is it true that they take all of your disposable income? And if so is a debt reduction company a better option?


Dear Andrew,

It is not true that all of your disposable income is taken. I would urge you to meet with a local bankruptcy attorney and go in and discuss your situation so you can get an actual idea about what your payment would be. With such a large reduction in income and debt I can’t see how a debt reduction company would be a path worth pursuing.

Big Hug!

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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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