Dear Quentin, I’m a single parent with two kids, and fell victim to an online dating scam. I have no legal recourse as I did this on my own, thinking I was helping someone. My credit has now tanked. I owe $17,000 on one credit card, and I have two loans of $5,000 each. I have my children to take care of.
I cannot afford to make these payments and I have already defaulted. I’m sure the credit-card company and banks are starting legal action. I have a mortgage ($1,000 per month, and I am always current) and a car payment ($360 per month, also always current), plus I have utilities, gas, and food expenses. I net about $2,400 per month. Without commenting on my obvious stupidity, how do I recover from this? Where can I even start? Should I file for bankruptcy? ScammedDear Scammed, Talk to your credit-card company, and report this scam to the authorities. You were preyed upon by a fraudster and they took advantage of your generous nature. It’s a hard lesson to learn, but I hope you don’t give up on getting back into the black. With the right help, you can do it. You have two children and a life ahead of you that does not …
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