April nearly went bankrupt as a single mother raising her two children. Now she’s a Consolidated Credit graduate — and her son and daughter have grown up to be financially secure adults.
“It really, truly became like, feed my kids or pay off my credit cards,” she recalls. “I had eight credit cards. All of them were maxed out. One of them was over $10,000. A few of them were $8,000.”
“When I called, I was greeted by an amazing person on the phone who was so helpful and so kind. They answered all my questions and helped me get the program started. I felt so much better after that call that I created a spreadsheet and a binder that I would keep track of each credit card I had with the company.”
One depressing day, she was searching the Internet for “bankruptcy” when she found Consolidated Credit…
She got her young son and daughter involved, too.
“I didn’t want my kids to think they were bad,” April says. “So I was very open with them. We did it together.”
In the beginning, April just needed some emotional support.
“When I started the program, I was so stressed, scared, and I was so worried,” she says. “I had no idea what I was getting into.”
Instead, she says it was actually a pleasant experience…
“What I was excited about is Consolidated Credit counseled you, offered classes while helping you get out of debt and not ever going back!” she says. But an added bonus was what stopped happening.
“Before, I was getting phone calls daily asking about payments, and it was so stressful,” she says. “I didn’t want to answer the phone because I knew what was on the other line. It was starting to really affect me. I’d wake up so scared that my utilities were going to get shut off because I could not pay them.”
Now, as a Consolidated Credit graduate, April is a money mentor to her children…
“I have learned so much with this program, I was able to teach my children,” she says. Her son is in his 20s and is a school counselor, and her daughter is a cosmetologist.
“When they became of age, we opened a credit card for each of them, and at first, they used it just strictly for gas,” she says. “Then they would pay their credit card off. From there, we all just worked together, and we still do like we still talk about paying off our cards every month.”
April laughs and adds, “My son will still ask sometimes, ‘Hey, Mom, do you think I should do this on my credit card?’ And you know, my answer is always, ‘Do you have the money to pay it off?’”
Looking back, what was once the lowest moment of her life has now led to may of her most joyous: Watching her kids avoid the financial problems she had.
“This has been a huge success in my life and helped me tremendously. I share this program with a lot of people who are scared about debt, and it feels great sharing something so helpful with them.”
If, like April, if you’re facing the tough choice between feeding your kids or paying off credit card debt, it’s time to give us a call. We’re here to help you find a solution.
