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George & Vandra R., Toledo, Ohio

A few years ago my wife Vandra and I got behind on our mortgage and a couple of other bills. It was one of those situations where we took on more debt than the income we had coming in. We were not interested in foreclosing on our home, nor were we interested in filing for bankruptcy. We had gone through Consumer Credit Counseling and it just didn’t really seem to work for us. It was a very stressful time. We started to get bills and notices in the mail and had bill collectors calling day and night. It got to the point where we didn’t answer the phone. We’ve been with Smart Money Management for about five years. Even though our financial situation has steadily improved we stay with them because they let us focus on making more money, while they deal with paying our bills. The late notices have stopped and creditors aren’t calling. We know that things are being taken care of, our savings account has grown and we are able to focus more on life itself.

Mike A., Toledo, Ohio

Smart Money Management provides me with stability. I know where my money is going and where it isn’t. Knowing that my bills are paid on time provides tremendous peace of mind. The Smart Money System will work for anyone. It doesn’t matter how much you make, if you’re about to lose your house, or just struggling a little bit, SMM services are available for whatever the situation is. You don’t have to be in collections for the program to help. I wasn’t in collections when I started using SMM. At the time, I was making good money, but spent too much on credit cards and got behind. I still have complete control of my money, but trust SMM to pay my bills and help me manage my finances.

Sanner S., Toledo, Ohio

Five years ago I kept getting further and further into debt and getting behind on making payments. I did my best to stay on top of things but I just didn’t know how. Other debt relief companies that I spoke with didn’t understand credit and how I got myself into this situation. Smart Money Management took the time to meet and really understand my situation and goals. They were trustworthy didn’t talk down to me. Together we developed a plan to go forward and come out of debt. They took the burden of paying the bills off of me so I wouldn’t have to worry about creditors calling or sending notices in the mail. Five years ago, I was as nervous as a cat on a hot tin roof. My stomach was a knot when the phone rang. Today, I don’t have those phone calls. Everything is directed Smart Money Management. They take care of everything. I can sleep and don’t have to worry about anything.

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Twila W., Toledo, Ohio

Derick is very personable and non-judgmental. He made me feel comfortable about telling him one of my deepest secrets; my money is screwed up and if I don’t straighten this out, I could lose everything. I never once felt that he passed judgment on me, he never made me feel like I was a fool. He never belittled me not even a look, not a sentence, nothing. That was important to me and I was looking for that. He just brings you in his fold and makes you feel like family. He is my biggest cheerleader. He’s always got my back and sees things in me that I don’t see in myself. How important is that?

Shawn R., Toledo, Ohio

When I started working with Smart Money Management my wife, 8 year old son and I were living in a condo. There was no room or yard for my son, so our goal was to purchase a house, but we were behind on bills and needed to repair our credit. My bank referred me to Derick at Smart Money Management and we started his full program and got us current with our bills. The biggest difference between now and eight years ago is that I’m a lot more confident in my financial decisions. My wife and I are starting to put money aside and we’re saving money because, in the end, we have to do that, regardless of if Smart Money Management is there or not. Working with Smart Money Management has been life-changing. I think we’re better people as a result of the program.

Yolanda D., Toledo, Ohio

My husband and I started working with Smart Money Management because we had an issue with late payments and wanted to establish a budget so we can pay our bills more timely. We also wanted to cut down on creditor letters and correspondence, and follow a more organized, strategic approach to our budget. Paying our bills on time is very important to us and we would do everything possible to make sure of that. When we couldn’t, we got very stressed and overwhelmed by the situation. Smart Money Management pays our bills and helped increase our credit scores. Now we can benefit from the sacrifices we’ve made working the plan. If you’re in a similar situation, don’t wait. Your money is too important to wait to get help. Call Smart Money Management. They can help.