Unemployed and No Income. Will Creditors Come After My House? – Chris

“Dear Steve, I lost my job (no advance notice) in June 2007. I was unemployed for 75% of the next 5 years. I worked for 23 months (4-2012 to 3-2014) and again lost my job. I work as a consultant primarily for Caltrans as an Inspector (bridges). In the last 6 months I’ve worked less … Read more

My Unborn Child Died and I’ve Lost Two Jobs. – Mary

“Dear Steve, Two Job losses,1 death of an unborn child, medical issues and one birth has left me in abandoned credit card accounts but I continued paying on my car from my unemployment payments which recent has also been exhausted. My husband also recently relocated from the UK and has not been able to find … Read more

I Can’t Pay the Virginia Employment Commission and Don’t Want to Go Bankrupt. – Linda

“Dear Steve, I previously owned a company and went out of business due to a number of things. The IRS and the State of Virginia are being very cooperative and recognize my hardship. The Virginia Employment Commission is another matter all together. After several months of me paying them a very small amount, they have … Read more

I Lost My Job and Legal Advocates Wants to Settle My Debt. – Tammy

“Dear Steve, I owe over $31,000.00 in credit card debt and I don’t know what to do? I lost my job almost 2 months ago, my unemployment is finally coming through, but unemployment is only about 60% of what you was making at your job so its very hard to make ends meet, I’ve called … Read more

Income Reduced by Half Due to Unemployment and Creditors are Taking Legal Action. – Jackie

“Dear Steve, I have a few credit card that I am behind on payments,one is about to take legal action against me,Spouse have been unemployed since 2008,unemployment ran out in 2009,unable to find full time work. Have been able to get some temp work through temp employment agencies,only feww weeks at a time.Decrease in household … Read more

I Inherited Some Money But Unemployed. The Money is About Gone and Left In Debt. – Jane

“Dear Steve, I have been unemployed since 2010. I had inherited some money when my father passed away in 2005 and was able to continue meeting my needs and paying my bills. Unfortunately because of emotional issues, I really did not have a good grasp of the kind of money I was spending. I was … Read more

I’m Unemployed and Looking for Debt Help. All the Programs Require Monthly Payments. – Rich

“Dear Steve, I lost my job and cannot repay my debts — all unsecured. Shopping for a debt reduction program. The only debt reduction programs I am learning about require monthly payments. I have no monthly income for making any payments. However, I may be able to find a private benefactor to loan / give … Read more

Furloughed State of Hawaii Employee Looking for Debt Help Solutions

In 2008, my husband lost his job, and while he did receive unemployment, at the same time I (a State of Hawaii Employee) was furloughed, causing a decrease in our income. So I contacted my creditors, explained my situation and was put on a program to reduce my monthly for only a year. (the program … Read more

I’m So Embarrassed About My Financial Situation. – Frances

“Dear Steve, I’m desperate for help…you see I’ve been so embarassed about my financial situation that I’ve just been stuck repeating the same behavior for years. Now I’m unemployed and back at home with my parents and my two children living off of my EDD Benefits. I really want to use this time to create … Read more

I’m Living on Unemployment and Social Security But In Debt. – Tom

“Dear Steve, I am out of work and collect unemployment from florida. I also took social security at age 64 to get buy on. My wife works but will retire in Feb 2012. After all our bills not credit cars are paid we haveroughly 1200.00 left We have about 26000 in credit card debt.The excess … Read more