unemployed

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  I Got Married and My Husband Got Laid Off

  “Dear Steve, I’m working full time and earning 46k annually. I got married this past spring and then my husband was laid off in June. His unemployment benefits are lower than his previous income and he is...

  • Posted November 14, 2014
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  I Don’t Want My Student Loans to Hurt My Credit Report

  “Dear Steve, I owe $17,000 on my student loans. I have been able to make the payments each month, but I just learned that I will be soon losing my job. I don’t have an emergency fund...

  • Posted November 14, 2014
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  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...

  • Posted September 3, 2014
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  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...

  • Posted April 19, 2013
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  Husband Laid Off and We Are Barely Making It. What Now? – Meredith

  “Dear Steve, My husband got laid off from his job in November 2009 and has not found employment since and everything has fallen on me. We rent our apartment for the last 12 years and the monthly...

  • Posted March 5, 2013
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  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%...

  • Posted February 28, 2013
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  Single Mom Struggling to Make Ends Meet and Paying Off Debt. – Sam

  “Dear Steve, I have 3 credit cards and an auto loan. One card was recently paid in full after being delinquent for a year. The 2nd one I have made payment arrangements with and will be paid...

  • Posted January 27, 2013
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  Unemployment – What It’s Like To Be Unemployed

  Some think being unemployed is like a paid vacation. Really? What do you say we take a quick look at what people have to say about being out of a job and looking for work. Have you...

  • Posted January 22, 2013
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  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...

  • Posted January 14, 2013
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  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,...

  • Posted January 12, 2013
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  I’m Unemployed But Using Savings to Keep Current With Credit Card Payments. – William

  “Dear Steve, I have a total of $17,000 in Credit card debt ($3800 in Business Credit Card Debt) from 6 different cards. I am current on all my payments, however I have been unemployed for the last...

  • Posted December 7, 2012
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• 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...

  • Posted November 30, 2012
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  I’m 77, Spent My Savings Down Paying My Debt, and Out of Work. – Manuel

  “Dear Steve, I am a 77 years young individual. I lost my job on January 2011 and have not been able to find a job anywhere, although I have been trying very hard. I have a credit...

  • Posted November 13, 2012
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• Lost Job. Unemployment Expired. Living on Social Security. Can’t Pay Debts. – Gwen

  “Dear Steve, Lost job. Depleted Unemployment payments. Living on Social Security only. Cannot pay all debts. I lost my job of 14yrs in 2010. I have depleted all my unemployment and only have Social Security as an...

  • Posted July 23, 2012
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• How Can We Refinance Our Mortgage While I’m Unemployed? – Nicole

  “Dear Steve, Unfortunatly as I found out the HOPE program and all other programs will not modify your loan if you are currently on Unemployment benefits. What are options for people who are unemployed. I am working...

  • Posted May 21, 2012
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• My Girlfriend and Friends Used My Credit Cards and Left Me Deep in Debt. – Sean

  Well lets just start by saying I’m an idiot and probably deserve where I’m at now. With that said, a few years ago I helped a friend of mine out renting a van to take several people...

  • Posted February 16, 2012
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• 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...

  • Posted December 8, 2011
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• I’m Unemployed and Want to Buy a House. – Kay

  “Dear Steve, I will be 30 years old come March, and this year I had been unemployed for at least 5 months. Prior I had a steady job working with the Department of Defense for both Army...

  • Posted November 28, 2011
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• I Have Big Student Loans, Just Had a Baby, Unemployed, and Getting Sued by My Credit Card Company. – Lauren

  “Dear Steve, When your young they tell you to go for your dreams and that you can be anything you want when you grow up. I unfortunately dreamed of being a teacher I couldn’t afford to go...

  • Posted October 27, 2011
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• I Have 16 Credit Cards, Out of Work and Living With Toxic Mold. – Jennifer

  “Dear Steve, I have about 16 credit cards that have a revolving balance for a while now (around 2-3 years or more on some.) and I’m in a situation now where I’m out of work and had...

  • Posted October 24, 2011
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• Federal Government Job Scam Halted

  The Federal Trade Commission (FTC) has halted a countrywide scheme that falsely promised consumers help to get federal government jobs through exclusive listings. According to the FTC, Frontier Publishing, doing business as American Data Group, targeted and...

  • Posted October 19, 2011
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• I’m Unemployed and Running Out of Money to Pay My Bills

  “Dear Steve, I am unemployed and have about $13,000 in credit card and owe about $7,500 on my auto. If I don’t get a job soon I will be unable to pay monthly bills. I don’t know...

  • Posted October 3, 2011
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• I’m Unemployed, No Job, Can’t Afford to Pay My Credit Cards, and I Need a Job. – Kim

  “Dear Damon, Currently I’m unemployed and I have no job prospects for the future despite applying for at least 10 jobs a day. I have three major credit cards and I will not be able to make...

  • Posted July 21, 2011
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• I’m Eight Months Pregnant and Getting Sued for a Debt. – Tracy

  “Dear Steve, To put a long story short, i received a letter in the mail saying that one of my credit cards is suing me and my court date is two days after my due date. I...

  • Posted July 5, 2011
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• I Had Cancer and My Husband Was Unemployed. We Are Struggling With Payday Loans. – Kim

  “Dear Steve, I will try to be brief: I owe about $12k to installment payday loan companies such as Checkngo. I owe about $2k in medical bills I owe $9k on my car I owe $2k to...

  • Posted June 23, 2011
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• My Mother Lost Her Job and is Applying for Social Security But What About Her Debt? – Kevin

  “Dear Lewis, My mother will be 63 this year – she just lost her job and is considering applying for Social Security. The amount she would get will just barely cover living expenses. She is carrying a...

  • Posted June 6, 2011
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• Unemployed and Struggling to Make Your Mortgage Payment? Check Hardest Hit Fund for Help.

  Yesterday over the dinner table we had a guest enjoying barbecue with us and she was talking about her work with the Hardest Hit Fund and all the mortgages in North Carolina she was screening to be...

  • Posted May 31, 2011
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• I Nearly Died. I Was Unemployed for 15 Months and Now That I’m Better I’m Being Sued for Past Debt. – Josh

  “Dear Steve, I spent the better part of two years going to county Contract Doctors and the ER complaining of memory problems, shakes, dizziness and headaches. I was always diagnosed as sinusitus. I would take pills and...

  • Posted May 28, 2011
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• I’m Using Stock Sales and Cash Value from Life Insurance to Pay my Credit Cards. – Thomas

  “Dear Steve, I lost my job in December of 2010. I owe $41140.00 in credit card debt. My monthly minimum payments are approximently $1112.00. My unemployment is $1320.00 a month. My household expenses are about $1100.00. I...

  • Posted May 2, 2011
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• I’m Panicing About My Debt Situation. – Walter

  “Hi.. I’m Walter.. a single (never-married) 38yo.. guy in Richmond Va… no kids.. renting small apartment w/ no room-mates.. (except for 2 free-loading cats).. Was laid-off September 2010.. During the initial shock and horror of this, I...

  • Posted May 1, 2011
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• We’ve Been Unemployed and Run Up Debt But I Just Got a Big IRS Refund Check. – JMS

  “Dear Steve, Mutiple layoffs for both my husband and I over the past 3yrs. He was laid off 2x and I 1time. Also have 3homes. Actually have good credit and have not missed any payments.. now the...

  • Posted April 26, 2011
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• Unemployment Benefits Extension Not to Be Found. Bills Due. Collectors Calling. What Next?

  While many are worried about falling behind a bit on bills and the fear of a debt collector calling is a constant worry, now and in the coming months it is estimated that 4 Million American’s are...

  • Posted December 1, 2010
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• How Can I Get My Bank to Listen to Me When We’ve Both Lost Our Jobs? – Karen

  Husband lost job May 2009 and still hasn’t found work. I have had a part time for a year and lost it in October, found full time and now hours are cut back. Getting harder and harder...

  • Posted November 24, 2010
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• Maxed Out and Unemployed. How Do I Get My Creditors to Work With Me? – Glen

  I have 4 cards that are maxed out and I’m unemployed suddenly. I’ve been trying to answer all calls from the creditors and offered to pay a small sum each Monday (online) until I’m caught up. But...

  • Posted November 7, 2010
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• I’m Unemployed and Being Sued by My Credit Card Company. – Brad

  i received a summons for court. I am being sued by one of the credit card companies. My question is, can I call up the court and request the date to be rescheduled ? And in the...

  • Posted November 7, 2010
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• I Got Cancer and My Credit Went South So I Went With First Choice Debt Resolution. – S

  “Dear Steve, I had pristine credit for 10 years and then got cancer in 2008 and also lost my job that same year so at that point I was unable to keep up with my credit cards....

  • Posted October 26, 2010
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• I’ve Been Aggressively Paying Down Debt But My Unemployment Ends in Three Months. – Shelia

  “Dear Steve, I had been aggressively paying down debt over the past couple of years (eliminated car loan and student loan long ago, and I have paid down credit card debt). I lost my job in July...

  • Posted October 24, 2010
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• I’m Two Weeks Away From Unemployment. Is Bankruptcy Something Worth Looking At? – Mel

  “Dear Steve, Two years ago I lost a job of 9 years to a change in command. I was doing well there making $96k a year. I found short term job for 4 months but they had...

  • Posted October 18, 2010
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• Unemployed Mother-to-Be Behind on Bills. That’s Me. – Amber

  Amber “Dear Steve, I am an unemployed mother to be. I had taken out a bank loan when i had a job, and i lost my job a few months ago. I am now behind on the...

  • Posted October 7, 2010
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• I Now Lost My Job and We Are Unable to Make All The Payments. – Petra

  “Dear Steve, Both my Husband and I were making ends meet with only a few bucks to spare to save up a little bit. We are making the minimum payments on our credit card bills, have a...

  • Posted August 30, 2010
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• Credit Consultant Said They Would Charge Us Up to 25% of The Debt. – David

  “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...

  • Posted August 30, 2010
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• How to Survive a Job Loss

  If you’ve ever lost a job, you know how devastating it can be. It doesn’t really matter how you lost it — a company reorganization, merger, forced retirement or simply being fired — the results are the...

  • Posted June 1, 2010
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• I’m Unemployed and in a Debt Settlement Plan With Freedom Debt Relief. – Cheryl

  “Dear Steve, Due to job loss and severe health problems over the last 2 years, I have over $75K in credit card debt. My unemployment payments recently stopped and I got scared – so I contacted Freedom...

  • Posted April 13, 2010
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• I’m Unemployed, Pregnant, and Can’t Afford to Pay Debt Collectors. – Erin

  “Dear Steve, Unemployed, pregnant, and cant afford the payments demanded by the debt collectors. I am trying to make the demanded payments by the debt collectors, with out defaulting on my car payment, insurance, and medical bills....

  • Posted April 8, 2010
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• We Have Enough Cash to Make it Four More Months. – Laura

  “Dear Steve, My husband was downsized from his company and due to previous bouts of unemployment we had to make house payments w/credit cards and amassed major debt and did not get that paid off prior to...

  • Posted March 24, 2010
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• I’ve Been Unemployed and Now Can’t Afford My Minimum Payments. – Marco

  “Dear Steve, I have been unemployed since Jan 5th 2009. My UEI covers my hard bills, rent , car loan, car ins, untilities, a little food. I have used my savings to pay my credit bills thinking...

  • Posted March 10, 2010
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• I’m 60, Unemployed, and Bank of America is Charging Me 27.99%. – Yvonne

  Yvonne “Dear Steve, I can not get Bank Of America to lower my interest rate. It is a whopping 27.99%. The interest I am paying on 9800 is around 285. I am now unemployed and 60 years...

  • Posted March 9, 2010
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• How Can We Get Out of This Credit Card Debt Since We Are Unemployed and Laid Off? – Bobbie

  “Dear Steve, We have about 50K in credit card debt. My husband got laid off the end of Jan. 2010, with little in savings we can’t make our monthly payments with my income and his unemployment. Trying...

  • Posted March 3, 2010
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• I’m 20 Years Old. How Can I Deal With My Debt? – Katia

  “Dear Steve, HI MY NAME IS KATIA IM ONLY 20 YEARS OLD AND I HAVE A VERY LOW CREDIT SCORE DUE TO A CREDIT CARD I MAX OUT WHEN I WAS 18 . IM LEAVING ON MY...

  • Posted February 26, 2010
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• I am a Sales Professional, Unemployed and Unable to File Bankruptcy Again. – Vicki

  Vicki “Hi Steve, I have been in sales for quite some time. Unfortunately, the last three years I have had to take a reduction in pay when the companies I worked for either went to commission only,...

  • Posted February 24, 2010
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