Total KDH Clients
1,050
Scroll through the families behind the figures above. Each card is a household that walked in overwhelmed and walked out with a plan.
Years of revolving balances had eroded their confidence. We didn't open a spreadsheet on the first call. We listened. Then we restructured everything into a consolidation loan at near-zero APR, paused new credit, and built emergency reserves alongside them.
Family was carrying all of this alone. Mordy spent the first session just understanding their full picture, no rush. From there we negotiated APR reductions with each issuer and walked them through an 18-month payoff path.
They had stopped opening their statements months ago. We made the call feel safe before we made the math work. Then we consolidated balances at a lower APR and coordinated tuition relief with their yeshiva.
Business was suffering from the credit drag and they felt judged at every bank counter. We took time to understand what they actually needed. Then we moved balances to 0% promotional cards and stabilized day-to-day cash flow.
Couple was juggling four cards and a quiet sense of failure. We treated them with the dignity they had stopped giving themselves. Then we consolidated into a single low-interest plan and built a 6-month payoff schedule together.
Client called in tears on the first conversation. Levi listened for an hour before mentioning a single option. From there we negotiated balance transfers, set up auto-pay safeguards, and put a 12-month elimination plan in motion.
Post-divorce, she had lost her financial footing and her sense of safety. We met her where she was, no rush, no judgment. Then we consolidated debts onto a 0% promotional card, set new banking habits, and helped her rebuild savings.
Family was sliding into overdraft every month and the embarrassment was compounding. We sat with them through the hard math, on their pace. Then we secured 0% APR transfers, paused all new spending, and rebuilt the household budget end to end.
One account was already in collections and they were bracing for worse. Mordy walked them through every option without judgment. Then we negotiated a settlement on the collections account and moved the rest to a lower-rate consolidation product.
Couple had stopped opening their mail entirely. We started with a long, patient call, just to listen. Then we consolidated five accounts into a single fixed-payment loan with a clear 24-month finish line.
They had been paying minimums for years with nothing to show for it and were starting to lose hope. We made sure they felt heard before we made any moves. Then we secured a 21-month 0% balance transfer and built a step-by-step payoff plan.
Self-employed couple with variable income and steady fear. We asked how they were holding up before we asked about their numbers. Then we refinanced into a fixed-rate consolidation and built a buffer fund for lean months.
Shluchim family with growing community costs and no safety net. We took the time to understand their unique cash flow before recommending anything. Then we restructured cards, set up a sustainable monthly plan, and coordinated with their mosad for steadier income.
Recent job change had quietly pushed them onto credit and they were embarrassed to admit it. We treated the conversation like a safe place. Then we moved balances to 0% promo cards and restored healthy spending margins within three months.
Family was missing payments and missing sleep. The shame was as heavy as the balance. We held that with them while we worked. Then we negotiated APR reductions with each issuer and automated the minimums to stop the bleed.
Paying \$400 a month for years with nothing to show. They felt foolish, and they weren't. We told them that, then we got to work. We consolidated into a fixed loan at a fraction of the APR with a clear 30-month payoff.
Single income, growing kids, ballooning cards. We didn't lecture. We listened. Then we moved balances to a 0% APR product and rebuilt the family budget around their real cash flow.
They had run up cards during a slow business year and the guilt was eating them alive. We helped them separate the story from the math. Then we refinanced into a low-fixed-rate consolidation loan and paired it with a cash-flow recovery plan.
Family was making minimums on five cards and going nowhere. We treated their effort with respect, not pity. Then we consolidated into one low-APR loan and found an extra \$400 of monthly margin together.
Newly married couple felt buried before they had even started. We made room for the fear before we made the plan. Then we zeroed the APR with a 0% transfer card and built habits to keep them off credit for good.
They were quietly drawing from retirement to make card minimums and it was breaking them. We sat with the weight of that before we touched it. Then we restructured the cards into a manageable consolidation and protected their long-term savings.
Recent relocation had stretched their cards thin and their nerves thinner. We slowed everything down so they could breathe. Then we secured a 0% promo product, paid down high-APR balances first, and built a 14-month payoff schedule.
Family of seven squeezed between tuition and credit minimums, with nowhere to turn. We treated their situation with the seriousness it deserved. Then we consolidated to a low fixed APR and coordinated tuition relief with their schools.
Couple wanted to start a family but couldn't see past the card balances. We made room for the dream before we made the plan. Then we moved them onto a low-rate plan with a clear 20-month finish line.
Working multiple jobs and still falling behind. The discouragement was setting in. We reminded them what they had already done right. Then we consolidated debts at a much lower APR and directed a fixed monthly amount toward payoff.
Voice notes and intake reflections from families we've worked with. Lightly edited for length. First name and city only.
For two years I was just paying minimums and pretending it was fine. Mordy walked me through every option without trying to sell me one. We picked the boring one and it worked.
We called expecting a sales pitch. We got a phone call where someone actually looked at our numbers and told us the truth. That was the first time in a year we slept through the night.
Tuition kept climbing, the cards kept growing. I was embarrassed to ask anyone. Kosher Debt Help didn't make me feel that way once. Within three months we had a real plan.
I kept waiting for the catch. There wasn't one. They explained six different paths and helped us pick the right one for our situation. No fees, no upsell, no shame.
We were one tuition cycle away from a gemach call we couldn't repay. They helped us restructure everything before it got there.
A slow year in the business turned into $60K of credit card debt I had no plan for. They built one in a week. We're 14 months in and the cards are almost gone.
When the business dipped, the cards filled the gap. I didn't realize how fast 29% adds up. KDH showed me the math and then helped me fix it.
The stress was the worst part. Not the money. The not knowing. Having someone explain the whole landscape in plain English changed how my wife and I talked about it.
I thought debt was a moral failure. They treated it like a math problem. That alone was worth the call.
They didn't just refinance my debt. They taught me why I got there and how not to go back.
One phone call. That's all it took to find out my interest could drop from 25% to 0%. I'd been paying the bank for years for no reason.
They were patient. They were clear. The savings were real. And they never once made me feel like I was the only one.
$300 covers the full cost of guidance for one family. Families contribute $50. Donors close the gap.
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