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I’m an Active Duty Army Mother of Three, Deployed and in Debt. – Amanda

“Dear Steve,

I am active duty Army deployed single mother of 3. While I was in basic my spouse maxed my credit cards and took all my belongings. I am now deployed trying to settle my divorce and take care of my children on my own. The credit that was maxed just continues to grow because of the interest and penalties I need help getting out I do not make enough money to pay the minimum payments. I also got a letter for a student loan that I thought was paid of nearly $2000 last week saying it will be collected also. I estimate the total debt to be around $5000 but I can not afford a decient car or home until these are settled and my credit is repaired. Any advice would be great I need help.

What would be best for my situation? The student loan says I have 65 days to reply from date of letter july 29 2009 I just got it last week .

Thank you.


Dear Amanda,

You do have options, and one of them is probably to file bankruptcy back home and then take care of the student loan since it most likely will not be included in the bankruptcy. By going bankrupt you can close the door on those old debts which you can’t repay and are weighing heavily on your mind while you are off serving your country.

Fortunately for you the Army provides some excellent legal advice and assistance through the Judge Advocate General’s Corps (JAG Corps) You should ask your command who your local JAG officer is and go talk to them for assistance about your possible bankruptcy.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


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.

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

READ  In the Military, Out of the Country, Divorced and Deep in Debt. - Jamal

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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