ya, bankruptcy

there are places that will hire you and not check your credit.

Call your card companies and explain the situation. Most have programs that will allow you to defer the payments due to unemployment. However, some of these programs you have to pay for in advance (like insurance), so be careful about giving to much information to quickly.

Veteran services are all over the place, find one, they have financial classes, and job finding help.

ya go over seas and do the civilian jobs for a year in iraq it pays 125,000 a year and they pay full 2 round trip vacations any where in the world for u its easy money.

It doesn’t seem right that you can’t get a job based on your credit score,unless your trying to get a job at a bank. I could be wrong!

There are a ton of vet programs out there. You have a lot going for you for being in the position your in. Sometimes being destitute can be the best position to get help.

1st of all get educated, you can go for FREE completely. Then you could get help with student loans or if you don’t want anymore debt you can get a work-study job at the college you go to.
That’s the best advise I can give. There are no jobs in Mi where I am. You might as well go to school and make a little money than, make a little money and not have a future.

Good luck!
And thanks for Serving our country

Please do not do “credit counseling”, “debt reduction”, or “debt consolidation”. It will show up on your credit report like a bankruptcy. It is also not free. There is a charge for the company to do it, they will negotiate with the creditors to either take less than you owe (another “ding” on the credit report), or to space the payments out for a longer period (which will cost you more in interest payments), and it will just take longer for you to get out of debt. Here is a plan that will get you out of debt and allow you to never worry about money again. You just have to decide to do it. If you work the plan, the plan will work for you. Get all of the debt paid off as soon as possible, that will enable you to start building real wealth.

A. Have a garage sale and sell whatever you don’t use or need and use that money to pay down your debt.

B. Consider getting a temporary part time job or two ot three and use all of that salary to pay off your debt quicker. It is better to have a no fun year than a no fun decade. Even if you can’t get a “good” job, get some part time ones. One of them may turn into a “good” job if you do a good job.

1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an “emergency fund” category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don’t even have to worry about it. You must cut your spending and live on less than you make. Pay cash for everything. If you can’t pay cash or write a check, then you don’t need it. Do not use credit cards. Debt (especially credit card debt with it’s high interest rates) is like quicksand, if you fall in, you will drown.

2.First get current on all of you debts, if you are not already, and make no more late payments, if you have had any. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on. If it is not on your budget, then you don’t need it. If you forget to add a necessity to your budget one month then re do the budget. If you add something in, you will need to take some money out somewhere else.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3: minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for “fun” to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? The Human resources Department will have the forms for you to fill out. Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire. Start learning about investments. Do some reading. I like “The Lies About Money” by Ric Edelman, “Ready, Set, Retire” by Ray Lucia, and anything by Ed Slot

First of all, thank you for your military service.
There are so many really good debt reduction programs out there. So many that it would be almost impossible to find a safe and reliable one. I found a site that does an honest review on these programs. Check it out if you wish, maybe it will help.