Get To Know Luke M.
Luke is a divorced father of two living in Grand Rapids, MI. He grew up in the Upper Peninsula, a place he loves and encourages others to explore. He is passionate about the outdoors and loves to explore Michigan all year round. Yes, even in the winter!
As a licensed clinical social worker, Luke helps people through some of their hardest moments, something he understands from personal experience. Proudly sober, he’s committed to supporting others at the start of their recovery journeys.
Music is central to his life. He’s played guitar for more than 20 years and writes his own songs. He’s also a devoted dad to five kids who share his love of Detroit Lions football, even through their toughest seasons.
My first phone call with Accredited Debt Relief gave me perspective and made me feel hopeful. They are available to answer any questions I’ve had.
Enrolled Debt: $36,970
Started: December 2024
Savings: $1,170 a month!*
How Did the Debt Begin?
I was unemployed for a few months.
How Did the Debt Affect His Life?
It’s a daily stress, persistent and never ending. It’s sleep disrupting, overwhelming and can make you feel hopeless. I felt terrible for not being able to provide my kids with things they wanted, and didn’t want to rely on family but I had no choice at times. I’d never been that dependent as an adult and it felt demoralizing. Selling my bass guitar was probably where I felt the lowest, because I took such a hit on it and knew I’d never get it back at the regular price I paid for it.
What Was His Lightbulb Moment?
The turning point arrived when he realized the pattern wouldn’t break on its own. It was clear something had to change.
When I knew I wasn’t getting anywhere but just trying to pay the minimums and still ending up overdrawn after every paycheck.
How Did He Find Accredited Debt Relief?
Just like many others, Luke turned to Google. One search offered a direction he hadn’t considered before.
How Did the First Call Make Him Feel?
My first phone call with a Debt Consolidation Specialist made me feel confident, but cautious.
For Luke, relief wasn’t instantaneous, but having a phone gave him the confidence to move forward with getting help for his debt.
What Has Been the Best Part of the Program?
They are available to answer any questions I’ve had… They’re also willing to work with me on things like making a change to my payments.
Being treated like a person — not a problem — reshaped his sense of control.
What helped him most:
- Access to answers when he needed them
- Flexibility when life shifted
- Clear expectations instead of constant uncertainty
- Progress he could feel, even in small steps
What Advice Would He Give Others Considering Help?
Be patient. You’re not going to be able to take on new debt for a while. So be prepared for that and know that getting new things isn’t going to be in the cards for the time being, unless you can pay for them with cash.
What Does Luke See on the Other Side of Debt?
I’m looking forward to taking my family on a vacation. The kind they truly deserve. It will be a chance to rest and make new memories that are not overshadowed by financial stress.
It’s Ok To Ask for Help With Debt
Luke spent years helping others through difficult chapters. This time, he gave himself permission to seek support too — and it changed the direction of his financial life.
If you’re overwhelmed, unsure where to begin or simply tired of feeling behind, talking to a professional at Accredited Debt Relief can be a great first step. They’ll give you practical options and resources to help you make a decision.
About this testimonial
*Luke is a real client who was compensated for taking the time to share his experience with us. Clients typically save $480 on their monthly payments. Savings were calculated by subtracting his program payment from his self-reported payments or tradeline minimums on eligible accounts.