Get to Know Danielle: A Registered Nurse, Cancer Survivor and Single Mom
Danielle Z. lives in New York and works long hours as a registered nurse. She’s also a single mom, cancer survivor and the caretaker for seven rescue animals. Her life has always been full and busy — but it didn’t become unmanageable until a series of unexpected challenges led to an overwhelming amount of debt.
For a long time she didn’t see a clear way out but that all changed last year when she reach out to Accredited Debt Relief for help.

“I realized I was just existing, not living. That’s when I knew something had to change.”
Debt Amount: $19,773
Started: May 2024
Monthly Savings: $461 (57%)*
Navigating Big Life Challenges on a Single Income
First came a $15,000 sewer line repair. Then a scary cancer diagnosis. Danielle had to take time off work to recover and get healthy. Being a single parent made these challenges extra difficult. She couldn’t afford the things she needed on a single income and credit cards became her lifeline.
“There were many issues that drove me into debt. But being a single mother was the biggest reason. I had all of the financial responsibility on my shoulders and I couldn’t keep up.”
Over time, her balances climbed to nearly $20,000 — and the emotional weight of it took a tool on every aspect of her life.
“I wouldn’t go out. I stopped enjoying things. My sleep and health were impacted. I felt so unhappy, like there wasn’t a way out.”
A Moment at the Kitchen Table Changed Everything
Danielle shared that her “aha” moment started at her kitchen table. One evening she was sitting and reviewing bills — trying to decide what she could afford to pay — when she realized she couldn’t work or budget her way out of this problem.
She was already working overtime and had even considered getting a second job — but that would mean giving up the little time she had with her son.
“I realized I wasn’t living — just surviving. That moment made me rethink everything.”
After a Moment of Hesistation She Made the Call
Everything changed for Danielle when she came across an ad for Accredited Debt Relief. After some initial hesitation, she decided to make the call anyway and is really glad she did.
“At first, I was embarrassed. I had never told anyone how bad it was. But the person on the other end was kind. They listened and made me feel like I wasn’t alone.”
Her Consolidation Specialist walked her through debt consolidation options, including loans, and helped her understand what a customized plan might look like. Within days, Danielle enrolled — and her outlook began to shift.
A Customized Plan that Delivered Relief
Danielle’s monthly payments on eligible accounts dropped by $461. With fewer bills and a clear path forward, she finally started to feel hopeful again.
“Even before the program officially started, I knew it was the best gift I could give myself.”
She’s now on track to complete her plan on time and says the support team has been friendly and helpful at every step.
Her Message to Others: Don’t Wait
Danielle knows what it’s like to feel stuck and overwhelmed. She also knows what it’s like to feel the pressure lift.
“If you wake up with dread because you know the money isn’t there — don’t wait. It’s not just about debt. It’s about getting your life back.”
She’s Looking Ahead with Confidence
Now Danielle is fully focused on her health, saving, and enjoying the life she’s working so hard to build for her son.
“I’m looking forward to a clean slate. I’m never going back to the place I was in. I want to be the happy me again — the one who celebrates the little things.”
Need to take that first step?
A single phone call — like Danielle’s — could help you explore your options and find a way forward. Talk to a Consolidation Specialist today to learn more about how Accredited Debt Relief could help.
About This Testimonial
*Danielle is a real client who was compensated for taking the time to share her experience with us. Clients typically save $480 on their monthly payments. Savings were calculated by subtracting her program payment from her self-reported payments or tradeline minimums on eligible accounts.