Member Saving Stories

These members came back to TJ a second time and SAVED MORE!


A member I worked with previously called and wanted to work with me again to eliminate more of her credit card debt. We were able to assist her with a personal loan and an auto loan last year, and she loved how committed we were to helping with her financial situation. She and her husband cleaned up a lot of debt, raised their credit scores and were able to buy a house with our assistance – they are a great example of “why we do, what we do!” Increasing their personal loan seemed to be the cleanest way to get rid of higher rate cards, so I submitted an application to increase their balance. Unfortunately, we were not able to do that as an unsecured personal loan, BUT I was determined to help them in any way I could.

I remembered they were previously considering using the equity in an auto they own free and clear, so I asked if they were still interested in doing that. They were, so we submitted the application and it was approved – as a result, their payments dropped from $351/mo to $175/mo on the debt we were able to consolidate. This 50% monthly savings will allow them to use that money to pay down their remaining debt.
In the end, we gave them one payment (instead of 5), saved them money with a better interest rate and proved our goal is to help their financial situation. I appreciate their loyalty, and can’t wait to work with them again to make sure they are making the most of their hard-earned money.