Vancouver, BC debt solutions are a little different than other cities. If you have hundreds of dollars in monthly payments, and if these are credit cards and you are paying crazy 20% plus interest on these bills – you aren’t ever going to get anywhere.
But there is hope. If you live in Vancouver, BC, and you are interested in Vancouver debt consolidation solutions you have a friend in Full Circle Debt Solutions.
The first thing you need to do is examine your options.
1. Do you own a home? If you own a home in Vancouver, BC then you are already ahead of the game. You will be able to consolidate all of your high-cost debt almost instantly with a home equity loan or second mortgage.
2. If you don’t own a home – are you good with numbers? Take a good, hard look at your financial statements, at your chequebook, and at your organized bank statements and data. If you have all of this available, and you check it weekly, you can probably make some headway to the steps you need to sort out your debt.
3. HELP! If you can’t balance a chequebook on a 40 foot concrete slab. then you might just need a little help from people who deal with numbers and figures every day. A lot of what we do is just make sense of your financial situation. Because we live and breathe this stuff, it’s easy for us to make it easy for you to understand. Sometimes the best thing you can do is just get a consultation about your debt situation, so we can offer practical advice.
To find out more about Full Circle Debt Solutions, give us a call today. We would be more than happy to help you out. It is our goal to see everyone in Canada out of debt.
I was talking to my ex-boyfriend the other day on the phone.
We are still friends and we still keep in touch from time to time. And in a funny way, no one knows me better than Stan. We went through a lot when we were young, idealistic early-twentysomethings.
One of those principals was that we would never allow anyone to pay for anything for us. His dad was a successful businessman and he even had Stan working for his company selling insurance when he was in high school. But Stan was never big on insurance. He’d rather grow out his hair and strum along to Donovan. That’s what I loved about the guy, he went his own way.
And he really stuck with it. He ended up getting his own recording studio, years later. And now, talking to him, he’s doing okay.
We got into a conversation about debt though. I guess owning your own studio isn’t the cheapest endevour to set out on, and being as stubborn as Stan was, he refused to get any help from his dad. This meant that he was up to his eyeballs in debt when I talked to him.
You know my story. My debt was simply out of control up to just recently. So I told Stan about debt consolidation options available and how with the right debt management, how he could save his bruised credit.
Stan was all ears. I have to say, even though I haven’t seen him in years, I still miss my crazy hippie friend.
Before I turn you back over to Eve to continue her story, let me just say that the number one inquiry we get here at Full Circle Debt Solutions is due to bad credit loans BC and bad credit loans Alberta.
If you are interested in getting a loan to consolidate your debt but your credit is bad, you might want to look into a home equity loan.
If you own your home, we can help you get the money. No matter if you have bad credit, no credit. The banks won’t lend you money if you can’t verify your income, or if you are too old, or if your credit is bad.
Imagine that, being too old to get a loan. That is ageism front and centre. So if you have a home, talk to us about second mortgage options – we can put you in touch with the right people so you can consolidate your debt once and for all, and get those payments down as much as 50%.
It’s not bad being a single guy in this town. Vancouver is the ultimate cultural and culinary melting pot, which means beautiful women everywhere and plenty of amazing restaurants to take them out to. When I started working at the accounting firm, and stopped being a broke college student, I took full advantage of what our wonderful city had to offer. But now that I’m job-less, broke (yet again), and in debt (no less), it’s back to Subway and ESPN companionship.
Every lonely night I spend sitting on my couch, eating store-brand popcorn and throwing back Colts is depressing. The only way I get through it is by reminding myself over and over again that I have to save money, and get rid of my debt, if I ever want to get my business off the ground.
I’m not proud of it or anything, but I was what they called, a “super senior” in university. Not because I was the star basketball player or anything of that nature; rather, because it took me 6 years to graduate instead of the usual 4. Now let me explain myself… I’m not a dumb guy, nor am I a slacker. I am, however, extremely indecisive. I started out undecided as a first year, and then after a summer abroad in Rome, I decided that my life calling was to be an art curator. One Art History class later, I realized how wrong I was. Third year, it was journalism because I figured I’d be a great news anchor – after all, it’s like being an actor but without having to memorize lines. You can imagine how that went. Finally during fourth year, when all my friends were scrambling to complete their requirements and score internships, I found my calling. Business. And more specifically, accounting. Surprising even myself, it came quite naturally to me, and I liked the feeling of being good at something (for once!). Only problem was, I figured this out kind of late, and had to spend 2 extra years to get my degree. Great news for my career, but not-so-great news for my student loan debt.
I was out having beers with my buddy Mac from university last week, catching up on what was new in our lives. He was regaling me with stories of how sick his trip to Cabo was, and I was getting him up to speed on how my business venture was going.
Somehow the conversation moved onto Twitter, and personal techniques on Twit-flirting, and he mentioned one of the Tweets that he had received that day. It was basically a casting call from a debt solution company for someone who would be interested in sharing their debt story.
First, let me note that Mac has always been the type of guy who did homework assignments a week before they were due, and who painstakingly took the most detailed notes in class. He was obviously pretty concerned with my current financial state and my seeming lack of initiative to get it under control. So he suggested that I volunteer myself to document my story for their blog.
“Hey man, just think of it as your financial journal. If you write this stuff down, you won’t be able to avoid the problem anymore,” he said, trying to convince me.
My hesitation must have been apparent because he quickly added, “Comon, it’ll help you start your business. Once your own debt’s taken care of…”
And long story short, ladies and gentlemen, here I am – revealing all the blood, guts, and gore that I experience on my way to financial freedom. End goal? Starting my own business.
I have something to admit. I forgot to mention one little detail in my last post. And that’s that I am deep in debt. And when I say deep, I mean like 69-days-to-rescue-the-Chilean-miners-deep. I’m still trying to pay off my student loans, and my credit card bills are piled as high as that rescue shaft was deep. I really don’t know why my personal finances always trip me up, considering the fact that I help people balance their checkbooks all day. I really have to get it together soon, god forbid one of my future clients finds out.
So my debt poses a problem for my entrepreneurial aspirations. How am I supposed to pay my web programmer and graphic designer if I’m struggling to make ends meet? At the very least, I know I need to have a solid website if I want this business to succeed…
Hey guys, since this is my first blog post, I guess I should probably introduce myself. My name is Ben and I’m a 29 year-old guy living in Vancouver. After I graduated from UBC, I jumped right into a job at one of the Big Fours in accounting (I won’t name which), and ended up staying there for 3 years, working my way up from being a lowly auditor. Like my fellow number-crunching minions, I was also trying to get my CA certificate so that I could eventually move up the corporate ladder. Endless nights and forsaken weekends later, I passed the test and became a chartered accountant. However, the corporate ladder proved too slippery for me to climb.
So I left my job, and everything that was safe and steady behind, to start my own boutique accounting firm. Sure, it’s going to be hard as hell, but I’ve got time – that’s where the ‘boutique’ comes in handy. My grand plan is this. I’ll start off small, build my brand, and once the customers start coming, all I’ll have to do is expand, right?
This past Sunday, Mark and I were sitting in the kitchen after a particularly festive brunch, relaxing and enjoying our lazy Sunday. The kids were in the den, watching their cartoons, and we were sipping on our coffee, and flipping through the pages of the Sun. I was doing some serious newspaper reading (Dilbert, my ultimate guilty pleasure!), when Mark said to me, in a voice that he reserved for emotional or confessional moments, “Scar, I’m proud of us”.
This got me to thinking… We’re finally out of the woods with debt thanks to my rehabbed spending habits and our debt management consultant at Full Circle, and we’re finally making progress on the kids’ college funds. People are even asking me (me!) for financial advice. 4 years ago, I would have never guessed we’d be this far along.
So, dear readers, I think it’s time to say goodbye…As sad as I am about it, and as much as I love sharing my debt stories with you, I’m excited. Excited about my newfound financial responsibility and all the freedom that comes it. I can’t wait to spend time with my family, without the stress of thinking about interest rates, and bills. So thanks for hearing me out, and good luck to you on your road to financial freedom!
I was getting none of it a couple years ago, when Mark and I were clawing our way out of debt. But ever since we got in touch with our debt management consultant at Full Circle, I’ve been able to sit back and relax. Our debt was in good hands, and all Mark and I had to worry about was making our newly lowered monthly payments.
Not only were we able to consolidate our debt, we even started to save some money (finally!). Weights off our shoulders, we were finally able to focus all our attention on our careers – and that’s when Mark got his job offer in Vancouver. Our finances were finally back on track, I was finally getting some beauty sleep, and the rest is history.
I know the kids are still young but I worry all the time about setting a good example for them when it comes to taking care of finances. As you probably know already, I had some problems when I was younger what with my swipe-happy habits, shopping sprees, and fine dining excursions. And this was all despite the fact that my mom was always in my ear about managing my money properly.
Sure, 10 years ago I wouldn’t have been the best financial role model for my kids. But ever since I got in touch with my debt management consultant at Full Circle, I can say that I am. He helped me design a debt consolidation plan that reduced my monthly payments to something I could manage, and helps me stay on track. I might not be the shining beacon of financial responsibility but at least my kids will know that I picked myself back up and hopefully they’ll learn from my mistakes and not make as many of their own.
At Full Circle Debt Solutions, we’ve got lots to be proud of. We’re proud to be Canadian, we’re proud to call Vancouver home, and we’re proud of our clients, all of whom have taken control of their debt. But what we’re most proud of is our team ofdebt management consultants.
As Canada’s largest independent group of licensed debt management professionals, they will walk you through every step of debt consolidation, even tailoring consumer credit counseling programs to your needs. By contacting your creditors to negotiate debt payment plans that are more manageable for you, our debt management experts help you get rid of those annoying calls from debt collection agencies.
I’m sick of paying bills. I know it’s all part of being an adult an all, but sometimes I wish I could go back to my sandbox days. Sure, I wouldn’t have a car to drive, credit card to use, or cell to text with, but I’d be totally debt free. (And I’m sure my mailman wouldn’t mind.)
But seriously, how nice would it be if the biggest worry in your life were the guest list at your next play date? Instead, I have to worry about how I’m going to make my next mortgage payment and how I’ll pay for my car insurance.
My mom is the thriftiest woman I know. My dad worked all the time, and since my mom was a stay-at-home mom, she took it upon herself to manage our family’s finances. Every purchase, payment, and deposit was balanced in her checkbook, which seemed to be a permanent fixture in her handbag. All receipts – even those from buying a pack of gum – were stored in a tiny drawer in the kitchen desk and dutifully checked whenever the credit card bills came at the end of each month.
When my sister and I were growing up, mom tried to instill in us a sense of financial responsibility. The earliest lesson I can remember was when she gifted us with piggy banks when we started getting our allowance. While my sister would carefully deposit half of her weekly $5 into her pig, I would be at Seven Eleven on Monday shoving my hand into the 5-cent candy jars. Needless to say, her pig got fat while my stayed painfully thin.
In retrospect, that was a pretty good predictor that my sister would be the one to guide me out of my financial rut. Which is exactly what she did 2 years ago when Mark and I found ourselves close to bankruptcy and ready to skip town. She told us to call Full Circle immediately, assuring us that their debt management consultants would help us reduce our debt. We called, and surely enough, our consultant helped us consolidate our debt to one manageable monthly payment.
Our oldest, Griffin, is on summer break, much to the delight of his younger sister Silvia who considers herself his sidekick. All summer long, they’ve been taking advantage of the sunny days and warm weather, and have developed quite the skill at convincing our nanny to take them to the beach. When I get home from work, I always know if they’ve been successful, not only by the sandy trails I find in the foyer but by the stories that the kids enthusiastically tell me about their seaside escapades.
Now that Mark and I have our finances under control, thanks to our Full Circle debt consultant who helped us consolidate our debt, we’ve decided that we should take our first family vacation abroad. Since the kids love the waves so much, we’re definitely thinking somewhere tropical with white sandy beaches, but we’re not sure where. Any suggestions?
Ever heard that song by Johnny Cash – I’ve been everywhere?
That’s what Mark and I were like. It was straight out of a song – we didn’t have any money, any future or a clue, but we were born to run and we hit Canada like two crazy kids with the wind in our hair and nothing to lose and a whole wide world worth seeing.
We went everywhere, man. We went to Vancouver, Victoria, Nanaimo, Port Alberni, Port Coquitlam, Cranbrook, Creston, Nelson, Kelowna, Calgary, Edmonton, Winnipeg, Brampton, Thunder Bay, Toronto, Montreal, Halifax, St. John’s, Charlottetown.
We went everywhere, man! Debt or debt beware, man! We went everywhere!
Of course Full Circle Debt Solutions services all of Canada. But if you live in Vancouver, you can drop down to our new office in Delta anytime and we can help you out in person.
If you are interested in debt consolidation in Vancouver, talk to us first. The other counseling companies will charge you voluntary ‘fees’ that you will have to pay. Not so voluntary.
If you live in Vancouver, and you are being suffocated by debt payments that haunt you worse than farmed salmon, you’ll need to talk to a debt advisor right away. We’re open late.
Call 1 877 220 3328. Getting rid of your debt is as easy as a phone call.
You hear about folks that never pay a bill. They just float from place to place ducking out on dentist bills, and hotel bills, and rent.
Now, Mark and I have never been like that, but our credit was shot all the same, so we got to thinking – why not?
We could easily skip town without paying rent. We could take our rented furniture and run. We could hit up every no-money-until-payday, Moneymart, payday loan kind of places and then make a run for it.
We made the mistake of mentioning this to my sister, almost as a joke. She just went all pale and told us, ah, Scarlett, don’t do it. No matter how desperate things get, your credit will be shot to nothing, and you’ll never be able to get a home down the road, even when you get yourself out of this mess. Believe me, that kind of quick fix is no way out.
We kind of grumbled to ourselves and she suggested that we call Full Circle Debt Solutions. With Mark’s three credit cards out of control, and him paying over 20% interest on each of them – matched up with my student loans and (hush) Sears card mishap, we had debts all over town.
At least Full Circle Debt Solutions could consolidate all of those payments for us.
Half the time, she said, they can even cut your debt payments in half.
That’s all the convincing it took for us. The next day, we called them up.
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