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I Am Unemployed Right Now And Just Called The Suicide Hotline. – Neyzimar

“Dear Steve,

Hi Steve, I am unemployed right now and in complete despair. I just called the suicide hot line because Suicide is the only thing that comes to my mind. It is a coward solution and certainly goes complete opposite of my religious believes.

My husband hates me because I can not find a job and now unemployment benefits are running out. We are in a debt management program, MMI and I think, sometimes, things will get better. But I am in such emotional distress that when I go to an interview probably the interviewers are looking right inside me and noticing I am a nervous breakdown ready to happen.

Or another one I should say, the fist one was in August 08 right after an explosion of hate from his part in the car; with a punch to the windshield glass of the car. A huge crack occurred and he dropped me at work( how can anyone work after this?) I lost my job that day! Went back home for four months but I am back in America now and I need a Job!

Before I worked in Sales and Customer Service, and I was pretty good at it, but now I have no confidence, no positive attitude and I know that is dragging me down. I need to forget the husband ( he has already forgotten me!) I need to improve my attitude! Please advise!

Thank you so much,

Neyzimar”

Dear Neyzimar,

Thank you for contacting me. I hope I can help you with some insight.

First, every life is precious and for you to commit suicide because of your debts would be a needless waste of your good life and the potential you have inside of you.

If you are unemployed and facing benefits running out, I don’t think a debt management plan from Money Management International, MMI, or any group is a sustainable solution for you. The moment you fail to make your DMP payments the plan will fail and creditors will be back after you.

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Your situation is probably better repaired with bankruptcy, for two reasons. The first is as I mentioned above, the current path is most likely not sustainable or will lead to you getting out of debt. Secondly, as long as your money troubles are following you, you are correct, they do impact your emotional life and your self-confidence.

Your observations about the interviews is spot on. The worst time to interview is out of desperation rather than inspiration. The tension you are giving off is nearly palpable and could very possibly be a turn off to potential employers.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

So let’s take some immediate actions to turn this situation around. I want you to find a local bankruptcy attorney you like. Make an appointment to go in for a free bankruptcy consultation and talk through the process. Learn about what bankruptcy can offer you.

Next, I want you to go any apply at all the temporary agencies in town. Getting sent out of temp assignments will improve your self-confidence, generate some income, and may lead to a full time job.

As your self-confidence will rapidly improve you will be in a better position to confidently apply for a new position.

As far as your husband goes, if at all possible, it would be a good idea to sit down and talk through what is making him angry. If he is simply disappointed with you because you are no longer an income producing unit then I think the issues may be insurmountable. But if he is just nervous and tense since he does not see a solution to this corner you are boxed in, the approach above can help.

Please update me on your progress by

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

Damon Day - Pro Debt Coach

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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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