Michael

Michael had a great handle on his finances and was doing well as an artist and musician.

However, when a health issue sidelined him, he found that landlords and creditors were not sympathetic to his situation, and he found himself in debt. Here is his story, in his own words…

Hospital bed after hospital bed…

I was making good money with my art and music but things went badly for me in 2012 when I got sick with intestinal problems. Over time, I stayed in a total of seven hospitals. Because I wasn’t around to pay rent or take care of my things, I lost about $7000 worth of my property, including musical instruments, furniture, clothing, and more. My landlord had no sympathy for me and a lot of my stuff was sold or went missing when I was kicked out.

Getting back on his feet, physically and financially…

As soon as I got out of the hospital, I moved into a new place. But because I lost a lot of my possessions, there were a ton of start-up costs. I had to furnish the place, and I tried to replace some of my lost items.

The creditors had little patience…

Between some of the bills that I missed while I was in the hospital, and the costs associated with moving into my new apartment and replacing everything, I was getting deeper into debt. All I wanted was to get on my feet and get a roof over my head, but the creditors kept calling and they weren’t willing to wait.

He wanted to make things right…

My debt levels weren’t huge, but I was in a really tight place and I didn’t see how I would ever be able to pay it back. I wanted to pay it back, and I always considered myself to be good with money, but I was stuck. I knew my credit score was suffering.

Then he did some homework…

I knew I needed some help, so I asked around and did a lot of research online. I referenced the Better Business Bureau to see which organizations were reputable. This long path landed me at Consolidated Credit, so I gave them a call.

One call was all it took…

The counsellor was very informative and really seemed to care about my situation. Over the phone, he gave me a full assessment. He allowed me to take control of things. He told me what I needed to do to move forward, and he didn’t baby me. Instead, he gave me the ideas and I knew I needed to make my own effort.

Turning things around…

My counsellor empowered me and I learned a lot about budgeting. I trimmed down my food and entertainment costs, saving an extra $100 every month. That went directly toward my debts, and it helped me speed up the program. Soon I’ll be finished and I’m really looking forward to sticking with my budget and putting my extra money toward a savings account instead of my creditors.

Consolidated Credit has a great logo. They truly were a lifesaver, and now that I’m back on track, I’m forever grateful. I’ll be sending a Christmas card to Consolidated Credit this year!