Our member came to us for help avoiding bankruptcy. He had payday loans totaling over $3,500 with interest payments exceeding 50% of his income each month and a credit score that had fallen below 570. A certified financial counselor and loan officer at Brewery CU not only helped him pay off all of his payday loans with affordable payments, but also assisted him with receiving his first credit card. He is now able to pay his credit obligations on time, and his credit score is improving.