Client Stories: Unexpected Life Circumstances Build Up To Debt Challenge

UpdatedMar 6, 2026
- Geralene talked with us about her progression from little financial know-how to building confidence in managing her money.
- College expenses coupled with medical issues contributed to accumulating debt, a poor credit profile and low credit scores for her.
- Geralene described how FDR’s debt consultants were communicative, supportive and helpful.
Geralene S. has a college degree, works in financial services and lives out her passion as a children’s book author. By all accounts, the New York City resident is a pretty happy person.
But her life hasn’t been a straight path to happiness.
Without financial help – or a foundation of financial know-how – from her parents, she set off for college at age 18 with a plan that made perfect sense to her at the time: She signed up for credit cards, and put the costs of tuition, books, meals and travel on the cards. She found out quickly that she couldn’t pay it all back with her part-time retail job, and that interest charges were spiraling out of her control.
Then, after a major accident left her with nerve damage, she underwent several spinal fusion surgeries. Along the way, she dealt with a misdiagnosis of brain cancer, other surgery, and myriad tests, scans and doctors’ appointments.
And she had accumulated nearly $40,000 in debt.
The trigger to take action
As big as that number was, she only realized the magnitude of the problem when she applied for a credit card she needed for a managerial job, got declined, and learned just how poor her credit profile and scores were. That was her trigger point: She had to do something.
The “something” was taking action after seeing a Freedom Debt Relief (FDR) ad on Instagram. She contacted the company and reviewed her situation with an FDR debt consultant. Then, after researching other companies and ways to handle debt, she ultimately decided the FDR program* would be best for her. The payments were manageable for her, and she valued the ongoing communication and support she received from FDR's associates. In frequent conversations with FDR debt consultants, she says she learned "so much important, useful information" about budgeting and use of credit.
Geralene worked through the FDR program methodically, graduating in about five years. Today, she uses credit sparingly and carefully as she works to build her credit. She is confident of her ability to manage her finances.
Advice
Geralene has emerged from the FDR program with some resolute advice for others in debt.
Credit profiles and scores really are important. Don’t ignore them.
Communication works. If you’re having a hard time with payments, communicate and be honest with your creditors. They often are willing to work with you.
Get help as early as possible if you are dealing with significant debt. “Don’t delay the process,” she warns. “I was ignoring the problem for years. That only made it worse.” Many programs exist, she says. FDR worked for her*; another option may work for someone else. “Do your research. Find a program that works for you and then do it.”
Now, Geralene has the chance to help a younger sister avoid the mistakes she made. She has talked with her sister about how to pay for college responsibly, including the option to work, save up and then continue her education. “Everyone has timelines in their minds about what should happen when they’re 20, 30 and so on,” says Geralene. “That kind of thinking can lead to spending and debt trouble. Life doesn’t work on a schedule that way. Figure out the path that works for you, and you’ll be much better off financially, have much less stress and be a lot happier.”
Ready to take control of your debt and your financial life? Freedom is here to help.
Actual clients of the Freedom Debt Relief program. Endorsements received as a result of the clients' entries in a Freedom Debt Relief sponsored contest. Clients’ endorsements shown may be made up of paid and non-paid testimonials. Individual results are not typical and will vary.
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Debt relief by the numbers
We looked at a sample of data from Freedom Debt Relief of people seeking credit card debt relief during February 2026. This data reveals the diversity of individuals seeking help and provides insights into some of their key characteristics.
Credit Card Usage by Age Group
No matter your age, navigating debt can be daunting. These insights into the credit profiles of debt relief seekers shed light on common financial struggles and paths to recovery.
Here's a snapshot of credit behaviors for February 2026 by age groups among debt relief seekers:
| Age group | Number of open credit cards | Average (total) Balance | Average monthly payment |
|---|---|---|---|
| 18-25 | 3 | $8,451 | $269 |
| 26-35 | 5 | $11,909 | $369 |
| 35-50 | 6 | $16,921 | $431 |
| 51-65 | 8 | $17,675 | $549 |
| Over 65 | 8 | $17,978 | $510 |
| All | 7 | $15,142 | $424 |
Whether you're starting your financial journey or planning for retirement, these insights can empower you to make informed decisions and work towards a more secure financial future
Collection accounts balances – average debt by selected states.
Collection debt is one example of consumers struggling to pay their bills. According to 2023, data from the Urban Institute, 26% of people had a debt in collection.
In February 2026, 30% of debt relief seekers had a collection balance. The average amount of open collection account debt was $3,203.
Here is a quick look at the top five states by average collection debt balance.
| State | % with collection balance | Avg. collection balance |
|---|---|---|
| District of Columbia | 23 | $4,899 |
| Montana | 24 | $4,481 |
| Kansas | 32 | $4,468 |
| Nevada | 32 | $4,328 |
| Idaho | 27 | $4,305 |
The statistics are based on all debt relief seekers with a collection account balance over $0.
If you’re facing similar challenges, remember you’re not alone. Seeking help is a good first step to managing your debt.
Support for a Brighter Future
No matter your age, FICO score, or debt level, seeking debt relief can provide the support you need. Take control of your financial future by taking the first step today.
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Author Information

Written by
Aimee Bennett
Aimee Bennett is a communications consultant for Freedom Debt Relief. She’s passionate about marrying business with communications, making often-complex personal finance topics easy to understand through clear, concise and accurate language. When she’s not at her desk working with words and grammar, you’ll find her on her bike, in the pool, on a ballroom dance floor or teaching English as a Second Language.


