{"id":5062,"date":"2025-07-29T21:55:33","date_gmt":"2025-07-29T21:55:33","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=5062"},"modified":"2025-10-15T21:14:15","modified_gmt":"2025-10-15T21:14:15","slug":"client-exclusive-how-we-helped-josh-k-recover-from-debt-after-a-cancer-diagnosis","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/client-exclusive-how-we-helped-josh-k-recover-from-debt-after-a-cancer-diagnosis\/","title":{"rendered":"Client Exclusive: How We Helped Josh K. Recover From Debt After a Cancer Diagnosis"},"content":{"rendered":"\n

Meet Josh K.: Proud Dad, Sports Fan and Cancer Fighter<\/h2>\n\n\n\n
\n
\n

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 \u2014 one that began during one of the most difficult periods of his life.<\/p>\n<\/div>\n\n\n\n

\n

Debt Amount: $27,934
Started: June 2025
Savings: $856 a month!*<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n

How A Cancer Diagnosis Sparked a Financial Crisis<\/h2>\n\n\n\n
\n
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In 2016, Josh was diagnosed with cancer. He wasn\u2019t 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.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n

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.<\/em><\/strong><\/h4>\n<\/blockquote>\n\n\n\n

Even after he recovered and returned to work, the financial damage lingered. \u201cOnce I was cleared to go to work, I found a job and have never missed a payment,\u201d Josh said. \u201cBut at that point, the damage had been done.\u201d Over the next seven years, Josh navigated several layoffs, which forced him to rely on credit cards to get by. <\/p>\n\n\n\n

The Weight of Making Minimum Payments<\/h2>\n\n\n\n
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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.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n

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. That led me to find a solution for my debt that was not bankruptcy.<\/em><\/strong><\/em><\/strong><\/h4>\n<\/blockquote>\n\n\n\n

He recalled a low point when he went to buy groceries and realized he didn\u2019t have enough leftover after making his minimum payments. <\/p>\n\n\n\n

Ultimately, having to ask his mom for help so he could feed his family was a wake up call. <\/p>\n\n\n\n

Finding Hope With Beyond Finance<\/h2>\n\n\n\n
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Determined to avoid bankruptcy, Josh began searching online for a better solution. That\u2019s when he discovered Beyond Finance. \u201cI researched and read all about them and all the reviews I could find,\u201d he shared. What stood out most was the empathy. <\/p>\n<\/div>\n<\/div>\n\n\n\n

\n

[My representative] was amazing. She made me feel right at home. No judgments\u2026 she just calmly listened to my story and said \u2018this is how we’re going to get you taken care of.\u2019<\/strong><\/em><\/h4>\n<\/blockquote>\n\n\n\n

In just his first month with Beyond Finance, Josh is already thrilled with his progress. His monthly payments dropped from $1,353.94 to $498 \u2014 a savings of more than $850 a month.<\/p>\n\n\n\n

He is also happy with the flexibility of the program. He\u2019s been able to adjust his payment dates to better suit his circumstances. <\/p>\n\n\n\n

\n

Customer service has been excellent. They easily adjusted my payment dates when I needed it.<\/strong><\/h4>\n<\/blockquote>\n\n\n\n

Advice for Others: \u201cDon\u2019t Suffer in Silence\u201d<\/h2>\n\n\n\n
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Josh knows how isolating debt can feel so he urges others to take the first step and share their debt situation with a professional. <\/p>\n<\/div>\n<\/div>\n\n\n\n

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Don\u2019t 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. <\/em><\/strong><\/h4>\n<\/blockquote>\n\n\n\n

Looking Ahead: Debt-Free in Two Years<\/h2>\n\n\n\n

Josh\u2019s program is scheduled for 47 months, but he\u2019s aiming higher. \u201cMy goal is to have it done and be debt free in 24 months,\u201d he said. A goal he hopes to achieve by making extra payments whenever he can. With his discipline, drive, and Beyond Finance in his corner, it\u2019s a future well within reach.<\/p>\n\n\n\n

*A quick note about Josh’s story: <\/strong>He\u2019s a real client who was compensated for taking the time to share his experience with us. Josh saved 63% on his eligible monthly payments and his savings were calculated by subtracting his program payment from his self-reported payments or tradeline minimums on eligible accounts.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

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