Learn how this freelancer got rid of over $17,000 in credit card debt

By Jackie Lam

Reviewed by Kimberly Rotter

Oct 26, 2023

Read time: 3 min

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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."

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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!" 

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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." 

If you feel like you are struggling to keep up with your credit card debt like Kevin was, just know that you are not alone.  Achieve can help. Get a free debt assessment today.

Jackie Lam - Author

Jackie is an Achieve contributor. She is an accredited financial coach (AFC®) who has written for Business Insider, BuzzFeed, CNET, USA Today's Blueprint, and others. She coaches artists and freelancers.

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Kimberly is Achieve’s senior editor. She is a financial counselor accredited by the Association for Financial Counseling & Planning Education®, and a mortgage expert for The Motley Fool. She owns and manages a 350-writer content agency.

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