Client Exclusive: How We Helped Police Dispatcher Holly M. Overcome More Than $78,000 in Debt
Debt Amount: $78,744
Started: May 2025
Monthly Savings: $874 (⏷ 48%)*
Meet Holly: Twin Mom and Police Dispatcher from Texas
As a devoted mother to identical twin girls and a police dispatcher from Texas, Holly M. knows what it means to juggle chaos with calm. Between high-stakes calls at work and the joyful whirlwind of parenting, Holly had always managed to keep her head up — but financially, the pressure was becoming too much.
“I hated feeling so pressured and overwhelmed with seeing the debt keep piling on,” she said. “I felt like I was drowning and couldn’t get my head above water.”
How Holly’s Debt Crept In
Holly’s financial trouble didn’t come all at once, it built over time. Years of credit card use gradually turned into a troubled pattern.
It was a trap that felt impossible to escape. Each solution only added to the problem. The stress was relentless, and the pressure grew even heavier after a major life milestone: buying a house and welcoming her twin daughters.
“Almost all of my debt came on gradually with several credit cards over the years and then creating a cycle of getting personal loans to pay off the credit card debt.”
Looking for a Better Option Than Bankruptcy
With her growing family and a new home, Holly was determined not to pursue bankruptcy as a way out.
That’s when she found Accredited Debt Relief, who introduced her to the Beyond Finance program — a decision that gave her more than just financial relief. It gave her hope.
“We just bought a house and had our twin girls. I didn’t want to risk losing everything with bankruptcy, so there had to be another way.”
Making a Change With Beyond Finance
From the moment Holly joined Beyond Finance, she felt relief. Beyond Finance helped Holly do what months of juggling payments couldn’t, find real traction. It put structure and strategy in place where there had only been panic and pressure.
“I felt like I could finally breathe again and had a way to stay afloat instead of sinking in the waves.”
What Made the Difference
For Holly, the support system at Beyond Finance has been just as important as the savings. This consistent, accessible support helped her trust the process and stay committed — even during moments of doubt.
“Honestly, the customer service and 24/7 chat has been amazing. It’s so great to know there’s always a team I can reach out to that has my back and will answer any and everything I can think of at any time!”
Advice for Others: “Let Them Give You a Lifeline”
Holly has a message for anyone feeling trapped by debt or wanting to avoid bankruptcy the way she did: give Beyond Finance a call.
“If bankruptcy seems to be your only option, please reach out to Beyond Finance and let them give you a lifeline. Trust the process!”
A Future With Less Stress and More Joy
Now that she’s on track to becoming debt-free, Holly is dreaming big and breathing easier. “I’m so looking forward to not having any more credit cards or debt haunting me every time I look at our bank account,” she shared. “We will be smarter with our money and can move on with a lighter load and head held higher.”
*A quick note about Holly’s story: She’s a real client who was compensated for taking the time to share her experience with us. Holly saved 48% 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.