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Kandy and Russell Hildebrandt were honored after pulling themselves out of $100,000 credit card debt. Kandy and Russell Hildebrandt of New Richmond, Wis., and their three children, 14-year-old twins Heidi (left) and Holly, and 3-year-old Joey. Jeff Holmquist/RiverTowns Newspaper Group

New Richmond, Wis., couple erases big credit card hole

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Russell and Kandy Hildebrandt accumulated more than $100,000 in debt in about 16 years.

In less than five years, the New Richmond couple managed to pay it all back without filing for bankruptcy. That was eight months earlier than expected by their repayment plan formed by FamilyMeans Debt Consumer Credit Counseling Service in Stillwater, Minn.

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