Profiles of Debt Success

Personal stories of overcoming problems with debt and finding the right financial path.

Think you’re alone when it comes to your debt problems? You’re not. Debt problems affect people from every walk of life. Whether your problems were caused by unexpected life events or just by your own lack of financial education or planning, there’s a solution out there that can help you get back on the right track.

If you’re ready to get started or you just need to talk to someone to learn more about what we do, call us at . You can also request help now by asking for a free Debt & Budget Analysis.

  • See how we helped Kelly's special needs family

    Caring for a special needs child can be one of the biggest challenges to financial stability that a family can face. See how Consolidated Credit helped Kelly and her husband overcome debt and a loss of income after Kelly quit her job to care for their son.

  • Margaret's giving heart gives her debt problems

    Helping friends and family made Margaret feel good, but it also made her credit card balances increase to the point she couldn’t pay off the debt using traditional means. Here’s how we helped Margaret regain stability.

  • Deotha overcome being reluctant about credit counseling

    People are often reluctant to try credit counseling because they’re not sure it’s the right solution to actually help them get out of debt. We talk to Deotha, who overcame her hesitancy to find the debt relief she needed.

  • Paola eliminates grad school credit card debt

    Paola wanted to focus on her studies during grad school, but without even a part-time job she wound up facing serious challenges with credit card debt accrued to buy books and cover daily expenses.

  • Retail credit card therapy ends in debt

    Miriam’s challenges with debt started in college with credit cards she never quite paid off. A series of life events and a bad shopping habit kept Miriam in debt throughout her life until we helped her take control.

  • Divorce and death leave Cheryl in debt

    Cheryl quit work to keep a promise to care for her mother after her father passed, but while focusing on family helped them heal, it brought new challenges with Cheryl’s finances as her credit card balances rose.

  • Medical debt due to autism left Cynthia in a bind

    Ongoing medical challenges can leave you in a bind no matter how much education you have. When Cynthia’s family moved to Florida for therapy it did wonders to help their daughter’s autism, but it also put them into financial distress.

  • Rebecca faces divorce then debt problems

    A costly divorce put Rebecca $10,000 in debt, but it was the loss of a second income and budget problems that led her into a payday loan trap. With $8,000 in payday loans to eliminate she called Consolidated Credit for help.

  • Socorro faces lawsuits over debt after unemployment

    When Socorro lost her job, relying on credit card debt became a slippery slope that landed her in civil court with a few collectors. Luckily, Socorro found relief with a debt management program to avoid wage garnishment and liens.

  • Bad credit decisions left Susie's family in debt

    Susie’s thoughts were consumed by her debt problems. That distraction almost led to a fatal accident, and still Susie’s only concern was how they would afford the bills. See how we helped get her peace of mind back.

  • Janis consolidates debt a second time

    After 20 years of financial freedom Janis found herself facing financial distress caused by credit card debt for a second time. She took a path that she knew would work to help her regain financial stability. She called us.

  • Ilma's back problems create debt problems

    Chronic back pain eventually forced Ilma to leave the workforce, leading to $10,000 in credit card debt. With the help of Consolidated, she’s regained stability and wants to share her story to inspire others to take action, too.

  • Althea suffers from credit card dependence

    When Althea decided to renovate her home, most of the purchases for it went on plastic. Creating the perfect space to get away from the world also created a perfect storm of high-interest credit card debt.

  • Cut overtime creates debt problems for Tanya

    Putting in overtime as a Florida law enforcement officer helped Tanya stay afloat, but cut overtime hours helped her realize just how far in the hole she was with credit card debt. Her credit counselor helped her make a plan to regain control.

  • Danny's disability left him with debt problems

    When a workplace accident put Danny in a wheelchair, he had to give up his career as an auto mechanic and couldn’t afford to pay off his credit card debt on just his disability benefits, but we helped him fix his debt problems.

  • When grandchildren lead to grand amounts of debt

    Giving your grandchildren the world is a wonderful sentiment, but it can also be a recipe for financial disaster on a fixed income during retirement. When overspending on gifts for her grandkids led to $13,000 in credit card debt, Sandra called us.

  • Liz is left with debt following unemployment

    When Liz and her husband were both laid off from their positions at a nonprofit at the start of the recession, they struggled to stay ahead of their bills. Learn how a debt management program helped them achieve freedom in just 4½ years.

  • Supporting two households breaks Brenda's budget

    As a law enforcement officer Brenda was accustomed to enforcing a strict budget in her own life, but when her grandmother fell ill Brenda had to step up to cover two household budgets and things got tough until she found Consolidated Credit.

  • 2 layoff left Leslie stuck with debt

    When faced with a series of layoffs and emergency expenses to pay with no savings in the bank, Leslie and her family turned to credit. But when $76,000 of debt was too much to eliminate on their own, Consolidated Credit helped them regain control.

  • Wanda's medical debt leaves her in financial distress

    Wanda did the right thing, met with a financial advisor and had a plan to pay off her debt before she retired. But when illness forced her into early retirement and the medical bills piled up, Consolidated Credit was here to help her regain control.

  • Rose took on debt to provide for her grandchildren

    When Rose helped her adult son get established in a new apartment, it ended up causing problems for her bottom line. Rose’s story isn’t unique either – parents often end up in debt trying to help their kids. Here’s how we helped Rose regain control.

  • Even an amendable divorce left Troy in debt

    When Troy got divorced, he chose to take all of the marital debt because it was the right choice for his family and, in theory, his credit score. But when the debt proved too much for him to pay off alone, Consolidated Credit was here to help.

  • Esther ends up with credit card debt problems

    You might think growing up in a frugal household would lead to good credit habits, but for Esther it had the opposite effect. A childhood of hand-me-downs led to a $32,000 credit card debt problem as an adult.

  • Carlos overspends in civilian life

    After Carlos returned from his last Iraq deployment in 2012, he hit a slippery slope with debt as lenders rewarded his steady income with a series of loans and credit cards. Consolidated Credit helped Carlos change his habits to take control.

  • Matilde recovers after bad credit decisions leave her in debt

    As a psychology department manager at University of Miami, Matilde knew living in denial and hiding credit card debt from her husband wasn’t good. With our help through UM’s Employee Assistance Program she can focus on retirement.

  • Medical debt affects this veteran

    David didn’t mind going back to work after he retired, but when his wife fell ill and they were reduced to one income, he found himself paying off $47,000 in credit card debt on a limited retirement income at 71.

  • Judith fights back after escaping domestic violence

    Often women living with abuse feel trapped because they don’t have the money or financial means to get out . Read Judith’s inspiring story of how she escaped domestic violence and the debt incurred as a result, to build a new life.

  • Yvette breaks dependence on credit cards

    Between divorce, home repairs, and a few medical bill co-pays, Yvette found herself drowning in over $40,000 in credit card debt. After she consolidated, she’s able to enjoy an extra $1,400 in her budget.

  • Divorce leaves Anthony with debt problems

    Retired Air Force electrician Anthony M. never had any problems with his finances or credit until a nasty divorce left him without assets and with too many bills. See how we helped him take control and rebuild his credit so he could move forward.

  • Renee gets right with debt after graduation

    When Renee got her first credit card at 19, she wasn’t using it to splurge – she only charged what she needed to get by until she got out of school. Four years later, she was left with high-interest debt and a hard financial lesson to learn.

  • Janet just doesn't have enough income

    When a husband and wife are both teachers, money can get tight. While Janet's family managed to get by on a shoestring budget, unexpected home repairs left them with a mountain of credit card debt. We helped Janet get back to stability.

  • Bilisku buckles from lending money to family

    When Bilkisu returned to Nigeria to help her family through a crisis, it caused a crisis back in Pennsylvania for her own finances. Her helping hand led to problems and she had a hard time getting back on the right path until we helped her achieve stability.

  • Linda leaves credit card dependence in the dust

    If you’re like Linda, the thought of giving up your credit cards might be terrifying. But after helps to balance your budget to get you on the right financial path with lower debt payments, you may find it’s easier than you think to live without credit.

  • Overspending ends in debt for Donna

    When asked to name the one thing that caused her debt problems, Donna blames spending too much money on "stupid stuff." And, really, don’t we all have that problem? See how we helped Donna learn smarter spending habits to avoid debt.

  • Study abroad leaves Lauren with credit card debt

    When Laruen studied abroad in London, the last thing on her mind was her finances. But living in the moment left her facing some tough realities with debt when she got home. See how we helped Lauren to stop living paycheck to paycheck.

  • Robert gets stuck in the payday loan cycle

    Payday loans are advertised to offer a quick fix when you face financial challenges, but they often cause more problems than they solve. When Robert faced interest rates up to 1000% APR on $4,000, he knew he was in trouble and needed help.

  • Mark commits to living without credit cards

    After going through bankruptcy in 2004, Mark couldn’t believe he was back to face even more problems with debt, but he was. Instead of declaring bankruptcy and ruining his credit again, Mark opted for credit counseling to get a fresh start.

  • Carol can't keep up, even working 70 hours per week

    When your income depends on others because you work in a service industry, things can get tough when the tips simply aren’t coming in as quickly as you need. See how we helped Carol take control of her budget to get ahead.

  • Ambers debt comes home to cause problems

    As Amber traveled Europe during school while living in England on an exchange program, her credit here in the U.S. started to suffer. Between student loan payments and credit card debts from her travels, she faced with serious debt problems.

  • Marcus overcomes budgeting income challenges

    At the start of 2014, we caught Marcus walking into our office to make his last program payment. He talks to us about what it feels like to go from a complete financial meltdown following the 2008 recession.

  • Living large landed Kamal in serious debt

    Keeping up with the Joneses isn’t new, but today’s culture glamorizes a lifestyle of living large that drives people to spend. From luxury cars to treating friends to expensive meals, Kamal spent on credit like there was no tomorrow.

  • Diane breaks a cycle of credit dependence

    Retail therapy and shopping binges were a daily occurrence, but after amassing $18,000 credit card debt Diane’s marriage was in crisis. With a husband threatening divorce and her family hanging in the balance, Diane knew it was time for a change.

  • Living large landed Michael in debt

    An addiction to the finer things is problem Michael can understand. Buying gems to have his jeweler make unique one-of-a-kind pieces left Michael with debt problems that are all to common. See how we helped him rein in luxury spending.

  • Barbara suffers from medical debt

    Health problems can lead to debt problems, which causes more stress that lead to even more health problems. It’s a vicious cycle and one that Barbara understands personally. When debt affects your physical health, you have to take action.

  • Paula faces debt after helping family

    Debt problems don’t just affect your physical health; your mental health is under constant stress and pressure. As a mental health counselor, Paula understands the tolls this can take and can empathize after her own problems with debt.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

FREE Debt Consultation