After losing my full-time job in 2023, my savings were nearly gone, and I found myself relying on credit cards to stay afloat. I needed stable income, not more financial setbacks.
Five months later, I finally got back to work, but the damage was done. I had defaulted on almost everything except my mortgage and utilities. My credit score had tanked, collections calls were constant, and I couldn’t see a way out. It felt like I was back in the late ’90s, struggling with the debt that came with the financial mistakes of my early 20s.
Back then, a debt relief program helped me reduce what I owed and set up payments I could actually manage. It worked once, so I figured it might work again.
