Client Exclusive: How We Helped Amelia P. Tackle Debt So She Can Focus on Family
Debt Amount: $10,004
Started: August 7, 2023
Monthly Savings: $261 (⏷50%)*
Meet Amelia: A Soon-To-Be Grandmother From Florida
For Amelia P., a formulation operator from Indiana, debt wasn’t the result of one major event — it was a slow build-up of credit card balances, payday loans and emotional spending that eventually spiraled out of control.
But everything changed when she got news that shifted her priorities: her son was expecting his first child and she was going to be a grandmother.
How Amelia Got Into Debt
What started as small purchases here and there quickly snowballed. Amelia found herself stuck in a financial cycle where making minimum payments just wasn’t enough.
“I was addicted to shopping and using cards. It was like I was on autopilot — spending, paying the minimum, and never making real progress.”
“You’ve heard of the phrase ‘robbing Peter to pay Paul’ — that’s literally what I was doing. I was taking out payday loans and personal loans just to pay on my credit cards. I already filed bankruptcy once, and I was too embarrassed to do it again.”
Recognizing the Need for Help
Amelia knew she needed a long-term solution, especially with a grandbaby on the way.
She didn’t want to just scrape by. She wanted the freedom to enjoy life with her growing family.
“I knew it was time when my son said, ‘I’m going to be expecting my first grandbaby.’ I need to be able to spoil my grandson and still have money left over as a cushion.”
Turning Things Around With Beyond Finance
Amelia searched online for debt solutions and came across Beyond Finance.
From her very first call, she knew she was in the right place.
“[My Consolidation Specialist] was so patient and understanding with me. He talked me through everything. I was on the phone with him for what seemed to be hours, but he didn’t make me feel rushed.”
The Power of the Program
Beyond Finance gave Amelia more than just a plan, it gave her peace of mind.
With $517 in monthly savings and over $10,000 of debt enrolled, she finally saw a way forward.
“I love that I can find everything I need on the app! From uploading documents to seeing my progress and closed accounts — and those closed accounts are nice to see!”
Advice for Others: “Make the Move”
Amelia’s message to others is simple: don’t wait to make the move.
“Call them, get your questions answered, and make the move! You won’t regret it.”
An Exciting New Future for Amelia
With retirement on the horizon and plans to move to Florida with her husband, Amelia finally feels like she’s living life on her own terms again.
Thanks to Beyond Finance, Amelia isn’t just saving money — she’s building a future full of freedom, family and peace of mind.
“I want to look forward to retirement — not fear it. And now I can.”
*A quick note about Amelia’s story: She’s a real client who was compensated for taking the time to share her experience with us. Amelia saved 50% on her eligible monthly payments and her savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums on eligible accounts.