From Drowning in Debt to Debt-Free Homeowner

I was a Navy veteran working in debt collections—helping others manage their debt while secretly drowning in my own. My wife and I were living in a termite-infested house with high utility bills and endless stress.

It sucked because I felt trapped, ashamed of my finances, and frustrated that I was supposed to know better. Every paycheck disappeared before it hit the bank. I was tired of surviving instead of living.

But then I realized the real problem wasn't how much I made—it was how I managed what I had. Once I built a plan and followed the Debt Snowball System, everything began to shift.

This led me to become debt-free, live in a brand-new home, and now teach others as the Credit Avenger, the same system that saved me.

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