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.



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.

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

The average cost to raise a child with autism can run up to $60,000 per year, and often parents end up footing most of that bill themselves, particularly when it comes to alternative treatments. See how Cynthia's family took control of debt caused by out-of-pocket medical expenses.

Rebecca – First Divorce, Then Debt Problems

Rebecca’s divorce cost her $10,000, but the cost was even higher when she was forced to move. Learn how Consolidated Credit helped Rebecca find a solution to eliminate her debt after divorce so she could finally be free.

Socorro – When Life Happens and Creditors Sue

After Socorro lost her job and couldn't keep up with her payments, she got sued for credit card debt. Learn how a debt management program from Consolidated Credit helped her avoid court judgments that can lead to wage garnishment, liens and bank account levies.

Susie – Distraction over debt almost ends in tragedy

Debt problems can weigh heavily and consume your thoughts. For Susie, this condition almost cost her her life. Read Susie's story and see how Consolidated Credit helped her pay off the debt and find better ways of coping with financial stress.

Janis – Debt Management Program Déjà Vu

After 20 years of stability, Janis faced another onslaught of financial distress caused by credit card debt. See how Consolidated Credit helped her become debt free again so she could get back to financial stability.

Ilma – Physical Pain Leads to Financial Pain

Statistics show the cost of pain management can run upwards of $25,000. For Ilma, most of that cost ended up on credit cards. See how Consolidated Credit helped Ilma take control of over $10,000 in credit card debt so she could balance her budget and find stability.