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My Husband Was In The Hospital And Then Lost his Job. – Belinda


“Dear Steve,

Hello,My husband was in the hospital and then lost his job. We are 2 months behind on our mortgage and3 months on other bills. He is back to work but it seems nearly impossible to catch up. I am also employed full time.

Where should I turn for help. Debt relief companys doesn’t seem to be the way to go and I even went to a bankruptcy lawyer but they are too expensive,want the money up front,and takes alot of time and a lot of paperwork and cost just getting the info and paper work they want. So where and what do I do. Please help us if you can. Thanks



Dear Belinda,

Sadly, you are a prime candidate to get suckered into some scam debt solution.

Real solutions, like bankruptcy, are delivered by licensed professionals. It is a process. It takes time.

People that will promise you instant relief will probably try to sell you debt settlement, an up-front fee loan, or credit counseling. The credit counseling route is only valid if you can afford at least your current monthly minimum payment. Which I bet you can’t.

If anyone says they have a solution that is easy, quick, and does not require paperwork, remember these words, it’s a scam.

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.

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

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About Steve Rhode

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.
  • Belinda

    So I guess you are saying that bankruptcy is the only solution for us,right?Would chapter 7 or 13 be better. The bankruptcy lawyer said 7 was our best bet.I just don’t have the $1300.00 they want to get the job done.If I did I amy not have to do this.

    • Steve Rhode


      That sounds reasonable to me. That’s a pretty good price.


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