Marcus Boone
paid off $41,300 in credit card debt on a forklift driver's paycheck
$28/hour , set by Marcus Boone. Your first session with them is free.
The debt came from a divorce and a truck I couldn't afford. 2017, Toledo, $41,300 across six cards. I sat in a Kroger parking lot doing math on the back of a receipt and figured out minimum payments would take me 23 years.
First I tried a consolidation loan. Denied. Then I spent a year pretending it wasn't happening, which cost me about $3,000 in interest. That's the humbling part. I knew better and did it anyway.
What worked was boring. One page, updated every Friday night, no exceptions. Sold the truck, cash for groceries. Done by March 2021.
A session with me is your actual numbers on the screen while you drive the mouse. I don't touch your accounts and I don't pick investments. I sit with you every week until the number goes down, because nobody sat with me and I needed it.
More background
What I know cold: zero-based budgeting on hourly and shift pay, snowball versus avalanche math (I ran avalanche, saved roughly $4,100 in interest), talking to collectors on the phone without folding, and finding cuts when it looks like there's nothing left. Good fit: people carrying $10k to $60k in consumer debt who want a weekly check-in, shift workers, anyone too embarrassed to show a friend their statement. Not a fit: you want stock picks, crypto talk, or somebody to bless a plan you already know is fantasy. I don't do business debt either, don't know it well enough. Boundaries: I'm not a financial advisor or a credit counselor and I never log into anything of yours. You drive, I ask questions. Availability: I work second shift, so mornings before 1pm Eastern or Sunday afternoons. Between sessions you text me a photo of your one-page sheet every Friday. Miss two Fridays running and we have an honest talk about whether now's the time. No hard feelings either way.