Personal Debt Stories

Stories of people overcoming challenges with credit card debt.

Americans have record-levels of credit card debt. We owe $482 billion to credit card companies.[1] Although every financial situation is unique, common themes run through the financial challenges that people face. These personal debt stories come from real clients of Consolidated Credit. They’ve shared their experiences with credit card debt in the hopes that it can inspire others facing similar situations.

If you’re struggling to eliminate credit card debt, it’s time to turn the page on your debt story today. Call 1-800-774-0313. A certified credit counselor will review your options for relief and help you find the best way to get out of debt in your situation. Turn the page on your debt story today.






Credit Counseling Before Bankruptcy

If you can’t afford to get out of debt on your own, you may be deciding between credit counseling or bankruptcy. Learn how to decide which is right for you.

Working Hard but Still in Debt

If you're like Robert, you may be skeptical about how debt consolidation can help you get out of debt faster. Credit counseling helped him see the light.




Avoiding a Second Bankruptcy

Filing for bankruptcy is difficult, and Michael was considering filing twice before he got help from Consolidated Credit. Learn about his debt solution.


Maria – Recovering from Financial Abuse

Coerced debt happens when a partner runs up debt in your name without your consent. It ruins your credit and keeps you stuck. But there are solutions to help people recover from this financial abuse.

Walter – Paying Off Over $30,000 in Credit Card Debt

When household emergencies and vehicle repairs drove Walter’s debt up to $35,000, he knew he needed help. Consolidated Credit showed him how to pay off over $30,000 in credit card debt fast with a customized debt management program.







Margaret – When a Giving Heart Gives You Debt Problems

Margaret was happy to play Mother Theresa to friends and family whenever they needed help, but when it led to debt problems she called Consolidated Credit. See how a debt management program helped her eliminate the debt she built up by loaning money to friends.

Deotha – From Reluctant to Relieved

After being burned by another credit counseling agency, Deotha wondered is Consolidated Credit legit? She did some research and put her trust in the process, and now she's debt free. Read Deotha's story to see how she went from reluctant to relieved.

Paola – Putting Grad School on Plastic

Paola focused on her studies during grad school, but without any income she built up credit card debt covering books and her daily expenses. Learn how Consolidated Credit helped Paola eliminate her college credit card debt so she could move forward debt-free.

Miriam – Retail Therapy Turns into Debt Problems

Miriam picked up a bad retail therapy shopping habit in college to relieve stress. But she ended up with a debt problem that stressed her even worse. Read Miriam's story to learn how to quit retail therapy so you can take control of your financal life.

Cheryl – From Holding Hands to a Helping Hand

When Cheryl quit her job to take care of her mother and then her father, her finances took a turn for the worse. See how Consolidated Credit helped her regain control and rein in her run away credit card debt.