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I’m Thinking of Using Debtmerica Relief. What Are the Ramifications? – Joseph

“Dear Steve,

I am on ssi and va disability without a job and no assets. I am 6 months behind on 5 cc for a total of $10,000. I want to pay them when I start to earn money.

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If I wait to pay then use Debt America, what will be the ramifications credit wise, legally and any other long term problems?


Dear Joseph

I had the following questions that I’d like for you to answer before I can answer your question. Please post your answers in the comments section of your question. I’m looking forward to helping you for free.

  1. Can you provide me with the link for Debt America. I could find companies with names that were close, but no exact match.
  2. What did those company representatives tell you about why you should use their services?

As soon as you can post the answers to my questions above I’ll be able to help.

If any reader wants to offer advice in the comments section please feel free to participate.

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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.


  • We have experienced a drop in income and increasing health insurance costs. To make ends meet we either ignore our credit card payments or not carry health insurance. Should we consider Chapter 13 for the credit cards?

    • Joseph,

      Thank you for the link. You missed one question.

      What did those company representatives tell you about why you should use their services? What was the sales pitch?

      Answer coming. I just need a bit more information from you to give you the best advice I can.


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