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 Maria,
a single mother of two struggling to make ends meet
every month called us in a last ditch effort to resolve
her financial crisis. Maria had more money going out
every month than she had coming in and was forced to
use her credit cards to provide basic living essentials
for her children. Then her cards were maxed out and
she fell 2 months behind on her payments. She was hounded
night and day by collections calls from the credit
card companies; after explaining the situation, the
companies never offered to help her get back on track.
She spoke with an FH Financial Debt Specialist that
listened to her as she explained her problem and concerns.
The first step was to create a plan to get out of debt
and we reworked her entire budget to provide Maria
a surplus of disposable income at the end of every
month while her debts were being paid off. Not only
did Maria resolve her financial dilemma, Maria now
lives debt free and deposits money every month in her
children’s college funds. Maria has learned how
to budget and save money. From the knowledge that Maria
has gained from FH Financial she can now recognize
if she is going to incur financial hardship months
ahead of time and she knows the proper course of action
to prevent this from happening.
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 As
owners of a small but successful business, Don and Shannelle
never thought they would need a company to help them
get out of debt. When the recession hit, their company
struggled to keep the doors open. Don and Shannelle watched
their revenues drop each month. They found themselves
using charge cards to pay for everyday items that they
normally paid cash for. Before they realized it they
were in over their heads. The couple spoke to a bankruptcy
attorney, but after his consultation, they did not want
to jeopardize their future. Shannelle went back to work
at another company to help increase the family earnings.
After applying to several online debt relief applications
they received a call from FH Financial. At first, the
thought of their monthly credit card bills dropping from
$2300 per month to $1100 per month and having their debts
completely paid off in 36 months sounded too good to
be true!
Everything the FH Financial Debt Specialist
told them made sense and he was very knowledgeable. Don
and Shannelle decided to enroll in the program; they
felt the weight of this debt lifted off of their shoulders
immediately. The program went along just as planned and
on the 34th month, Don and Shannelle wrote the last check
to their last creditor. They could not believe it was
so easy to get out of debt. Since then they have enrolled
in FH Financials referral program, they have referred
two family members and a family friend to FH Financial.
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 Brian
and Mary are a young couple with 2.5 kids as they
tell it, a boy, a girl and a golden retriever. After
graduating college, they married and found good jobs.
Brian found a good paying I.T. job at a large company
while Mary became an elementary school teacher. They
did everything right as was taught to them in school
when it came to their finances.
They had been saving
to buy their first home for 8 years, Mary drove a
newer model SUV while Brian was in a nice, but older
truck. When they came to FH Financial, they were
paying on a monthly basis $1208 for their mortgage,
$455 for the SUV, utilities were on average $650,
day care for 2 kids $750, and the minimum payments
on their credit cards were $830. Suddenly and unannounced,
Brian and Mary’s minimum amount due each jumped
to $1381. Their budget was shot. Due to a federal
mandate, credit card companies increased the minimum
payment from 2 to 4%. The prosperous and up and coming
Family suddenly found themselves in a position where
they had never been before so they went online to
get help fast. She went online and applied to several
different types of debt relief companies not knowing
which one was right for her or what they had to offer.
After talking to many people and doing research of
her own, luckily Mary found a very knowledgeable
representative from FH Financial who unlike the other
companies she spoke to, offered several different
options to their problem.
Brian and Mary discussed
an option that was tailored to their needs and decided
that while they were uneasy about allowing their
bills to go delinquent, this was the best financial
decision for their family. With FH Financial, their
monthly payment went from $1381 to $593 and 36 months
later, Brian and Mary were out of debt. They are
now living out their dreams and are able to focus
on investing and building a strong financial base
for their family.
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