Client Exclusive: How We Helped Josh K. Recover From Debt After a Cancer Diagnosis

Josh K. is a Texas-based insurance agent, husband, and proud father of three daughters. He loves football, collects sports cards, and cherishes traveling with his family every summer. But lurking behind his love for life was a heavy financial burden — one that began during one of the most difficult periods of his life.

Debt Amount: $27,934.15
Started: June 2025
Monthly Savings: $856.12 (⏷63%)*

In 2016, Josh was diagnosed with cancer. He wasn’t working at the time and had no health benefits, leaving his young family to navigate not just a medical crisis but a financial one too.

Even after he recovered and returned to work, the financial damage lingered. “Once I was cleared to go to work, I found a job and have never missed a payment,” Josh said. “But at that point, the damage had been done.” Over the next seven years, Josh navigated several layoffs, which forced him to rely on credit cards to get by. 

“My debt started in 2016 when I was diagnosed with cancer. I was not working at the time so we had no benefits. Our oldest daughter was 10 months old, so I was a stay-at-home dad at that time. I used my credit cards for medical bills and opened new ones when I had to.”

Altogether, Josh had 26 credit cards and could only afford to make minimum payments. Even that amount was overwhelming for his budget. The whole situation made him feel like he was drowning.

He recalled a low point when he went to buy groceries and realized he didn’t have enough leftover after making his minimum payments. 

Ultimately, he had to ask his mom for help so he could feed his family.

“Every day I would get off work and immediately start thinking about my debt. Every paycheck I got was 70% gone as soon as I got paid. There was a week when I could not get a full amount of groceries after making all minimum payments. I had to borrow money from my mom. As a husband and a father, that was humiliating and heartbreaking. That led me to find a solution for my debt that was not bankruptcy.”

Determined to avoid bankruptcy, Josh began searching online for a better solution. That’s when he discovered Beyond Finance. “I researched and read all about them and all the reviews I could find,” he shared. What stood out most was the empathy. 

“[My representative] was amazing. She made me feel right at home. No judgments… she just calmly listened to my story and said ‘this is how we’re going to get you taken care of.’“

Josh knows how isolating debt can feel so he urges others to take the first step and share their debt situation with a professional. 

“Don’t suffer in silence. Give them a call, tell them your situation. Just that first step will relieve so much of the stress that has been building up. Beyond has shown they absolutely know what they are doing.”