We have credit card debt and medical bills that we cannot keep up with – approximately $15,000. I am a stay-at-home Mom who works part-time in a seasonal job. My husband took a pay cut when he got re-employed over a year ago. We have creditors calling because we’ve fallen behind in our credit card and medical bill payments. It ... Read More »

Out of work for year and a half. Have used up most of savings and have 2 credit cards almost maxed out. Within last several months all bills have been kept current but now things have really tightened up. How can I receive assistance. One company was willing to work with me however the other-Capital One claims I must be ... Read More »

“Dear Steve, Have been an accountant for 40 years. A single mom of two boys who had mental health issues which translated to criminal issues and all the expenses meant I saved nothing. I used credit cards to start and keep a business afloat. It folded a couple of years ago. I took a new job which promised many perks ... Read More »

Linda “Dear Steve, I have been out of work for almost a year. All of my credit cards have been used to live on, and all my cash used to pay them. I am now coming to the end of the cash, and still no job offers. I never dreamed it would come to this, because i was always able ... Read More »

“Dear Steve, My wife’s company is about to close next week… she owes $21,000 in credit cards to Direct Merchants Bank, Bank of America and Chase. Her minimum payment every moth is $655 per month. She has never been late. I was laid off in April and no work yet. My mom had some debt with Sears and Discover for ... Read More »

“Dear Steve, I am currently an independent contractor with 3 dyas of work in the last 4months, I lost my mother who was the care giver for my stepfather, all the insurance and financials are in his name. he is currently in a rehab facility and has been there for 3wks and he can not be left alone when he ... Read More »

“Dear Steve, We have about 60K in secured and unsecured debt. Credit cards are about 40K, student loan 10K, and the rest is a timeshare loan at 10K. We also have a tax debt and will owe taxes again this year. I work on a temporary contract basis making 70K/year, but that will end later this year and there’s no ... Read More »

“Dear Steve, I’m 3 months pregnant. I have been out of work since February of this year. I have an outstanding credit card debt of approximately $12,000. I’m afraid that I won’t find a job soon to pay off my debt and eventually be homeless with child. Are there any companies that provide debt relief for someone who is unempolyed? ... Read More »

“Dear Steve, I just got fired from my job and now have no source of income to pay my bills which include over $13,000.00 in credit card debts. I’ve always paid my bills on time and am current with all my credit card payments. I have a very good credit score. I have filed for unemployment but it hasn’t been ... Read More »

“Dear Steve, I am unemployed,but i have some savings! I have 3 credit cards that total $14,000 and a car loan that I owe $6,000 on. what do you think i should do? they are all over two years delinquent! Tim” The Answer   Dear Tim, You have two choices, you can either wait till you start making money and ... Read More »

Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question. Click here. “Dear Steve, Have a total of 19,000 in credit card ... Read More »

Brian “Dear Steve, I am currently out of work. My wife is employed and we are upside down on a mortgage that is in my name alone. Her income is not enough to pay the bills without dipping into our savings. This could possibly run our savings down to nothing and then we lose the house. • We have enough ... Read More »

Lori “Dear Steve, My husband is going to be unemployed Friday. We aren’t in dire straights just yet however there are only so many hours I can work. He is making the radar but with 9 interviews underfoot and 2 more scheduled he still has found no work. We have submitted over 50 applications to still have no job. The ... Read More »

Kathy “Dear Steve, We have credit card debt and an unsecured loan, they total $25,000. I looked at several debt relief places including a law office. I want to partially retire in 2 years because I have a disability and it is very hard for me to work full time. My husband was out of work for 18 months and ... Read More »

When I was growing up my Dad found himself unexpectedly unemployed. He went from being an executive to without work, through no fault of his own. I often think back about those days as I read the emails of people that write to me for help who are now unemployed and struggling. I asked my father to share with you ... Read More »