New Chapter Group - Tony Matthews

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New Chapter Group - Tony Matthews Guided by faith in Jesus Christ. Committed to serving individuals and families explore debt relief and take steps toward a brighter financial future.

Tony Matthews

“I’ll deal with it next month.”It’s an understandable thought when money already feels overwhelming. But putting debt ou...
01/11/2026

“I’ll deal with it next month.”

It’s an understandable thought when money already feels overwhelming. But putting debt out of sight doesn’t stop the interest.

→ Balances can keep growing.
→ Missed payments can add fees.
→ The worry can follow you into your sleep, relationships and everyday life.

You don’t have to solve everything today. But opening that statement or asking for help is a start worth making.

If you’re unsure what to do next, let’s talk through your situation and see how I may be able to help.

You deserve a plan you understand and support without judgment.

God bless you and your family

Tony

Remember god loves YOU. I believe in you, you'll make it through this. Amen 🙏
01/11/2026

Remember god loves YOU. I believe in you, you'll make it through this. Amen 🙏

Helping Christian families all over the country. Wherever you are in the United States, you can reach out and start a co...
30/10/2026

Helping Christian families all over the country. Wherever you are in the United States, you can reach out and start a conversation with me.

I'll look at your debts, your budget, and the options available in for you. You’ll understand the terms and next steps before deciding what’s right for your family.

Faith can give you the courage to take that first step. A clear review of your situation can help you understand what to do next.

Book a consultation with me to explore a more manageable path forward.

Tony Matthews

When financial stress builds up, it can feel like you are fighting an endless battle on your own. Psalm 46:1 reminds us ...
29/10/2026

When financial stress builds up, it can feel like you are fighting an endless battle on your own.

Psalm 46:1 reminds us that God is our refuge and strength, a very present help in trouble.

You do not have to carry the weight of overwhelming debt by yourself.

I understand how heavy this burden can feel, but there is always a path toward relief and financial peace. My goal is to work directly with you to lower your monthly payments, reduce high interest, and build a clear plan that honors your values and restores your peace of mind.

If you are going through a difficult season, I am here to help you navigate it. Send me a direct message, and let us take the first step together.

Tony Matthews

When monthly payments leave almost nothing for everyday life, it can be hard to know where to start.Here are four steps ...
29/10/2026

When monthly payments leave almost nothing for everyday life, it can be hard to know where to start.

Here are four steps you can take over the next 12–72 hours:

Step 1: Gather your latest statements.
Write down what you owe, your interest rates, minimum payments and due dates.

Step 2: Find a realistic payment amount.
Start with your take-home income, then subtract essentials like housing, groceries, utilities and transportation.

Step 3: Ask your card issuer about hardship options.
Try: “I’m struggling with my current payment. I can afford $___ per month. Do you have a hardship program that could help?”

Step 4: Get any agreement in writing.
Confirm the payment amount, fees, how long it lasts and when it begins. Ask how it may affect your account and credit reporting.

You don’t have to wait until you miss a payment to ask for help.

These are steps you can start now. Approval, savings and timing depend on your situation and your creditor.

Save this for when you’re ready to make that call.

New Chapter Group

If you carry a balance on a credit card or unsecured personal loan, the deck is mathematically stacked against you. Lend...
29/10/2026

If you carry a balance on a credit card or unsecured personal loan, the deck is mathematically stacked against you. Lenders know that because they don't have collateral (like a house or car) to take if you default, they have to structure the loan to extract maximum profit as fast as possible.

Here are 3 specific tactics lenders use that most borrowers never realize:

Daily Compounding (Not Monthly)
Most people think a 24% APR means interest is added once a month. In reality, interest compounds daily. The lender divides your APR by 365, calculates the charge every single night, and adds it to your principal. Tomorrow, you pay interest on today's interest.

The Minimum Payment Loop
Minimum payments are usually set at roughly 1% to 2% of your total principal plus interest. This is intentionally calculated to keep your account "in good standing" while barely touching the actual debt. On a $10,000 credit card balance at 22% APR, paying only the minimum will take about 28 years to pay off and cost you over $21,000 in total.

Risk-Based Rate Spikes
Miss a payment on an unrelated utility bill or auto loan? If your credit score drops, card issuers can flag your account as higher risk. Under penalty terms, they can auto-adjust your interest rate up to 29.99% on future balances, even if you never missed a payment with them directly.

Bottom line: Unsecured debt isn't designed for you to pay off slowly over time. It is structured around daily interest accumulation. To break the cycle, always pay well above the minimum and focus every extra dollar on the highest APR balance first.

- New Chapter Group, CA

When financial hardship hits, it can feel like you are completely out of options. In 2 Kings 4:7, we see a powerful remi...
28/10/2026

When financial hardship hits, it can feel like you are completely out of options.

In 2 Kings 4:7, we see a powerful reminder that God provides a way forward even in desperate times, offering instruction to clear what is owed and live securely with your family.

I understand how heavy it feels to carry overwhelming debt day after day. My goal is to work closely with you to restructure your obligations, lower your payments, and find a realistic path toward financial freedom.

You do not have to figure this out by yourself. Send me a direct message today so we can talk about your options.

Tony Matthews

I will sit down with you one-on-one and review your numbers.Janet was struggling under $48,000 in unsecured debt and liv...
27/10/2026

I will sit down with you one-on-one and review your numbers.

Janet was struggling under $48,000 in unsecured debt and living paycheck to paycheck with very little room to breathe. The constant pressure was affecting her peace of mind and her daily life.

After working together for three months, Janet is in a completely different situation. We successfully lowered her monthly payments by 650 dollars, reducing her total out-of-pocket obligation to just a fraction of what it was before. She now has clarity, stability, and financial relief.

If you are ready to find that same kind of peace, reach out to me today for a private conversation.

Tony Matthews

A reminder for today: owing money doesn’t make you a failure.Sometimes it’s an unexpected bill, a stretch without work, ...
27/10/2026

A reminder for today: owing money doesn’t make you a failure.

Sometimes it’s an unexpected bill, a stretch without work, or everyday expenses that slowly get ahead of you.
Sometimes there are decisions you wish you’d made differently.

You still deserve kindness, including from yourself.

You don’t have to figure everything out today.

Opening the statement you’ve been avoiding or talking honestly with someone you trust can be a start.

Your debt or balance doesn’t tell the whole story of who you are.

Give yourself some room to take the next step.

The wisdom in Proverbs 22:7 is timeless: "The borrower is slave to the lender." Debt isn't just a monthly payment; it's ...
25/10/2026

The wisdom in Proverbs 22:7 is timeless: "The borrower is slave to the lender."

Debt isn't just a monthly payment; it's a weight that limits your freedom, your choices, and your future.

At New Chapter Group, we believe in turning the page. It's time to stop being a "slave" to high interest rates and unmanageable balances. Let's start building a financial life where you are the master.

What is one financial chain you are ready to break this month? Let us know in the comments below, or DM us to discuss how we can help you create your "New Chapter." 👇

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2837 36th , Sacramento, CA
Jesmond
95811

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