When Bills Are Overdue: Complete Crisis-to-Clarity Bundle

Stop the bleeding. Start breathing again.

You're not failing, you're facing what millions of hardworking people face when late fees multiply faster than paychecks.

This isn't another generic budgeting guide. This is your emergency roadmap out of financial chaos, designed for exhausted working moms who need answers NOW.

What You Get:

📘 42-Page PDF Guide with the 5-Tier Priority Ladder showing exactly which bills to pay first, word-for-word creditor negotiation scripts that actually get fees waived, real math proving how prioritizing strategically saves you hundreds, and free resources you didn't know existed (EAP programs, 211 helpline, union funds, church assistance).

📊 Interactive Spreadsheet Tracker with 5 powerful sheets: Bill Snapshot (color-coded by urgency, auto-calculates days overdue), Call Log (document every creditor promise so they can't "forget"), Paycheck Allocation Planner (see exactly which bills to pay from each check), Late Fee Impact Calculator (visual proof of how much money you're losing), and Weekly Action Checklist (bite-sized tasks with checkboxes).

Why This Actually Works:

Within one week you'll have called 3 creditors using the scripts, identified which 3 bills are draining you fastest, paid bills in priority order protecting shelter and food first, and documented everything so companies can't take advantage. The strategies have helped people waive $420-$600 yearly per creditor in late fees, get interest rates reduced from 24% to 18%, avoid $200-$500 reconnection fees, and find thousands in assistance.

This bundle meets you in survival mode, no shame, no judgment, no complex systems. It's phone-friendly because you're managing crisis between work, kids, and life. Most budget guides assume you have money to allocate; this one assumes you're in triage and need to know which wound to bandage first.

Who This Is For:

Working moms behind on bills who don't know which to tackle first. Anyone drowning in multiplying late fees. People who need to call creditors but don't know what to say. Families one emergency away from shutoff. Smart, hardworking people who got knocked off balance and need to stabilize fast.

The Reality: This won't make money magically appear, but it WILL stop you from wasting hundreds on wrong-priority payments, give you a system that works when you're exhausted, show which bills matter this week vs. which can wait, and turn paralyzing chaos into manageable steps.

Investment: For less than one late fee, you get both digital files with lifetime access. One avoided late fees pays for this bundle. One successful negotiation saves you more than you spent. One week of sleeping without panic? Priceless.

From the Creator: I'm Lacy Davis, and I've lived through the shame of overdue bills, avoiding phone calls, calculating which late fee hurts less, wondering if I was just bad at adulting. You're not. This bundle is what I wish I'd had when drowning: no fluff, no judgment, just a clear path from chaos to control for real people in real crisis running on fumes.

You deserve to breathe again. Download instantly and start taking back control today.

Digital delivery • Lifetime access • Works on all devices