"It was the first time in my life I had not paid my bills. Next month was going to be worse - the balances weren’t getting any smaller and I just didn’t know what I was doing to do . Over time, things continued to go downhill. The creditor calls got worse, the interest and fees kept racking up, the stress was almost unbearable; I had no idea how I was going to get out from under it.


After talking to an Effective Financial Solutions debt coach and understanding how I got myself into the mess, I decided to get myself educated using the tools from EFS and get the coaching help that is offered.


I was surprised how quickly the debt situation improved. Along with debt disappearing, my anxiety and fears began to fade away as well. I felt a sense of peace that I had no felt in a long, long time.


Now, the whole process is over and I couldn’t be happier. 


The entire quality of life has improved since I took that step to enroll in the Debt Elimination Program that is the key to Effective Financial Solutions.


Thank you!"


M.L. Largo, FL

“I went through a terrible divorce and all the money was taken out of my bank accounts. I started living off credit cards for everything whether it was clothes or food or entertainment or furniture.


I didn’t tell anybody I was drowning. I didn’t talk to anybody. I was ashamed and embarrassed. It was very hard to call and say I needed help. It was the first time I’ve ever done that in my life.


I finally reached out for help. Effective Financial Solutions was there every step of the way. 


First, I was educated about the whole problem I had gotten myself into. Then, I was coached on how to get results with my creditors and my financial scene. The process was smooth and overall a good experience. I am now debt free.”


PK. Atlanta, GA

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