Learn how this freelancer got rid of over $17,000 in credit card debt
By Jackie Lam
Oct 26, 2023
Read time: 3 min
Nobody ever said that following your dreams would be easy.
Take Kevin. As a freelancer, he works hard to balance a career as an actor, personal trainer, and group fitness instructor. And while it's great to do creative and fulfilling work, one of the big downsides is dealing with unpredictable cash flow that’s sometimes up, sometimes down.
"One of the hardest things as a freelancer is managing chaos," he says. "Your payouts come whenever they want to, but that rent is going to be due. It's a different feeling when you know you have a check coming on the 1st and 15th of the month versus having to fight for that money every single time."
Debt collectors were at his heels
Try as best as he could, there were dry spells with work. To get by day-to-day and cover his bills and expenses, Kevin at times relied on using his credit cards.
Before he knew it, his credit card debt had piled up to over $17,000. It was the first time in his life he had to deal with such overwhelming debt.
Mounting debt came with mounting stress. Not a day went by when the phone didn’t ring. He didn’t know how to make debt collectors leave him alone. The calls from five different credit card companies never seemed to stop. He found himself asking friends for money and knew his financial troubles were serious.
"I’m an independent adult," says Kevin. "How embarrassing is it that I needed to reach out to my friends for help?"
Relief was one phone call away
Kevin knew he needed to break free from the vicious cycle of credit card debt and having to rely on others to bail him out. He needed a long-term, positive solution for his debt.
Kevin learned about Achieve Resolution, but he was nervous about making that phone call. Talking to a complete stranger about the desperate state of his finances filled him with shame and anxiety.
He picked up the phone and made the call because he knew he needed to take action.
"Once I just decided to accept this help, it took a huge weight off of my chest. The person I talked to on the phone was amazing," he says.
Achieve successfully negotiated with all of Kevin’s creditors to reduce the amount he owed. He resolved his debts one by one, and it didn’t take long for his anxiety to become peace. "Graduating from the program was a very 'up' moment in my life," says Kevin. "My debt is gone!"
Resolving debts had a lasting positive impact on Kevin’s financial life
Kevin and the Achieve team worked hard to get him out of a deep debt hole. He made a pact with himself to stay out of debt for good.
With a Master's degree in music business already under his belt, Kevin is now pursuing a degree in Entertainment Law. He sees many career opportunities in helping entertainers understand and stand up for their rights. And he loves being surrounded by the community of creative people he loves.
Kevin couldn't have gotten where he is today without help getting rid of his debt. "Achieve Resolution did what they said they’d do," he says. "It’s a breath of fresh air."