I’m Laid Off, On Unemployment, And Can’t Afford My Credit Card Payment. – Melvin


“Dear Steve,

I am behind a credit card a total of 700.00. I am currently laid off from my job with 3 kids, a rent payment, a car payment, and other household bills. my unemployment is only 326.00 a week. The collection agency has started harassing me with phone calls everyday. What can i do to fix the problem?


Dear Melvin,

I think there is a huge difference between what you can do and what you want to do. While you want to make everyone happy and silent, you simply can’t with the income you have coming in right now.

So that leaves with with two options. Either you can stop paying your credit card now, enjoy your days in collections, and then try to clean up the mess when you find a new job, or you can go talk to a bankruptcy attorney and make this unmanageable debt go away.

It costs nothing to talk to most bankruptcy attorneys. Call a few and schedule a free bankruptcy consultation with one that you fancy. Go in and get all your questions answered.


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.

Do you have a question you'd like to ask me for free? Go ahead and click here.

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

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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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