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Right let's go to Riverside California -- is -- this highly how real.
I'm -- -- thank you so much for taking my call sure what's up okay this is my situation I am unemployed and have been since this past summer.
And I am.
A mother of two young children.
And we -- income from.
Unemployment is 19100 dollars a month are you single out.
I becoming separated.
And you try and little unemployment.
Well I I have been looking for a job -- her over a year now and what did you -- to make.
But that -- could pick -- any intent and how much is the child support coming in during the separation.
Nothing right now my husband won.
-- -- you can school full time and he's looking temporary job he lost his job in construction over two years ago now in California if that's been horrible.
We can and ten.
Well how can our best help get an -- Well my situation and went down and I think the name of the bank -- I think -- Fargo.
That seventy years ago I pick out a personal loan to consolidate credit card.
And I -- them 111600.
And I have been trying to.
I have tried your -- read a letter that I learned about in the financial peace university and I have.
Making basically them to refinance or to lower my payment from there about 300 over 300 dollars a month and I just cannot make them.
And they have refused to help in any -- or so now.
It has done to collections there and -- They're threatening legal action and I don't know whether to let them -- -- that they court or delayed -- chapter.
-- file bankruptcy on 111000 dollars you're not you're not bankrupt -- unemployed.
I guess they don't understand why -- don't care what they understand here's here's the deal they can't get any thing you know one.
OK you don't have any thing.
Little hard for them to garnish your wages I missed when you had any.
And they can't take assets do you have big assets.
Now I do not own my home and I'm actually.
So my car.
You can -- so that you know there's not anything for them to get.
So I wouldn't -- on.
Right now until you get back on your -- it's -- a lot more important for you to have lights and shelter and food for you and your children.
That and -- to worry about those rumors they get nothing.
Now you get a new job.
And -- -- 60000 are here quickly save up some money.
And call -- -- from three -- 4000 dollars a settlement in full on this account that's two years in default they'll probably take it -- after -- go -- whining and flopping in the foreign foaming at the mouth.
Get that in writing and settle the debt but today they are not your problem.
And there are some dumb Audi a problem with only 111000 dollars you can clean this up in twenty minutes once your re employed.
Your problem and it is a big problem leisure is your career situation.
And it's a it's a -- the buildings on fire that's a big deal.
-- -- send -- a couple books to read okay.
And get on the career sites -- air what I would do I would tell the Wells Fargo I'd like to -- you can't I'm not gonna have 45 minute conversations -- you abuse me.
I'm gonna hang up on your.
And we'll put a boundary in my life -- -- emotionally able to deal with you people right now and innocent to me having a long conversation and tell you I'm not gonna -- you I'm not gonna pay you I don't have any money goodbye.
And you know they may sue you so what.
They take a judgment -- they -- doing the judgment -- there's nothing for them to get your what we called judgment proof okay.
Okay now so we're -- just set them aside there's no point filing bankruptcy you can clean them up as soon as you get a job.
And then we've got to spend all of your energy creating income.
As you desperately need some Tory Johnson was on here -- -- in the nine shares of book called fired to hired.
What happens after you get fired -- you gotta go get rehired.
And she's really good at this stuff and then my buddy Dan Miller who's also a career coach one of my favorites.
Has a book out called 48 days to the work you love ominous and your copy of each of those.
Thank you and you -- read them immediately and change your job search and change your career goals and change something because you've gone way too long.
And you may have to move.
I like -- -- all over the country yeah I think is -- -- you got to connect.
You got to connect.
You -- you can imply for 5000 jobs on monster -- -- never even get an interview.
You've got to connect with human beings and somehow the networking.
Through -- -- -- knows somebody actually get a conversation with a person.
And sit down and talk to the film about that the the thing did a wonderful and you can bring to their organization if not you gotta start some kind of small business and get this thing rolling so hang on Mars gonna pick up shall -- -- those two books you read them.
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