Have you ever felt like you hit rock bottom... and then the bottom fell out?! You're not alone.

Today's guest is Nick Johnson (yes, we're related). As a young dad with thousands of dollars in debt and seemingly every odd stacked against him, Nick was ready to give up.  Like most people, he wasn't taught how to manage finances responsibly and believed debt was just a way of life.

He realized that he was digging himself deeper and deeper into a hole and decided something needed to change. He had to face his situation head on. By the grace of God and the principles learned in Financial Peace University, he slowly but surely began climbing his way out. Buckle up, part one is a doozy!

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Link: Fair Debt Collection Practices Act

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