Debt Stories: Finding Success with the Help of Consolidated Credit

Personal stories of overcoming problems with credit card debt to find 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.

These are debt stories from graduates of Consolidated Credit’s debt management program. They share their stories of how they got into debt, how we helped them out of it, and how they feel know that they’re debt free.

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 1-800-774-0313. You can also request help now by asking for a free Debt & Budget Analysis.

Sonya – Taking on Too Much Credit Too Fast

Early access to credit can be a blessing or a curse. When Sonya received her first credit card offer at 18, it was like free money. She used credit to live a lavish lifestyle without considering the consequences until she was deep into debt.

Ronnie – Better Results with Credit Counseling

Ronnie tried to negotiate and pay off debt on his own, but not all his creditors were willing to play ball. See how Ronnie got better results with credit counseling and learned live without credit cards.

Paula — Finding Financial Peace of Mind

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.

Wanda S. – Challenges with Debt from Early Retirement

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.

Linda P. — Discovers It’s Not Hard to Live Credit-Free

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.

Kelly – Specialized Help for a 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.

Deotha – From Reluctant to Relieved

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 – Putting Grad School on Plastic

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.

Miriam – Retail Therapy Turns into Debt Problems

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.

Cheryl – From Holding Hands to a Helping Hand

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.

Cynthia R. – Two PhDs Can’t Trump Medical Debt

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 – First 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 – When Life Happens and Creditors Sue

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.

Susie – Distraction over debt almost ends in tragedy

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 – Debt Management Program Déjà Vu

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 – Physical Pain Leads to Financial Pain

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.

Tanya – Cut Overtime, Overwhelmed with Debt

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 F. – Disability Leads to Credit Card Debt

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.

Liz A. – Couple Pays Off $50,000 in Credit Card Debt

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.

Brenda R. – Supporting Two Households at the Same Time

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.