Debt Consolidation Vancouver

At Full Circle, we love our clients. Helping them manage their debt is our passion, and sending them on their way to a debt-free life is what we aim for. We build such strong bonds with our clients, that it’s a bittersweet moment when they reach the point of financial freedom – and part ways with us.

Such is the case with Scarlett, who was kind enough to share her story with the world on our blog. Now that she’s got the skills she needs to manage her debt, she’s more than prepared for staying on top of her bills and payments. Although she’s parting ways with us today, we know that it’s not goodbye; rather, it’s more of a see you later. Not because she’ll fall off the wagon, but because we know she’ll be back, but with success stories to tell.

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.

dogs need it too

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 of debt 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.

So if you find yourself knee-deep in bills, give us a call. We’ll set you up with an expert from our team right away. We will help you reduce your interest rates, and cut down your monthly payments so that you can, once again, take control of your debt.

Bills are one thing, late fees are another. At least when it comes to paying bills, I know I’m paying for something that I used or received. Paying late fees, on the other hand, is almost like you’re giving money away. Although I know that late fees are supposed to be more of a deterrent than anything else, so that these companies don’t fall behind on their own accounting and so that you don’t fall into the habit of paying late – it doesn’t stop me from channeling my inner petulant child whenever I get fined with one.

But with all the bills I have to pay, it’s easy to fall behind. For example, there was this one time when Mark and I first moved into our new apartment in Vancouver. I got so caught up in the unpacking, furniture shopping, and setting up of our new apartment, that I had forgotten to tie up our loose ends in Calgary – and we ended up getting late fees on our cable and electric bills. And this other time, in my college days, when I let the credit card bills pile up, for fear of dealing with what was inside.

Ever since we got in touch with Full Circle though, we’ve been pretty good about keeping on top of our monthly bills. By helping us consolidate our debt, the process of paying the bills has become a lot less daunting. So if you find yourself paying late fees all time, consider giving Full Circle a call. They’ll walk you through the entire process of managing your debt so that you can be one step closer to financial freedom.

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.

The only consolation I have is that I’ve got Full Circle Debt on my side. Thanks to my debt consolidation consultant, life doesn’t feel like all work, no play.

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.

Mom was so proud.

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?

Full Circle Debt Solutions here. We’re not going to sugar coat it. Scarlett’s path to financial freedom isn’t an easy one. In fact, it was a long road that was filled with potholes and ditches – and it’s definitely a road that will never really end. It’s the consumer thirst that seems insatiable, especially when we’re constantly faced with promotions and products that we ‘have to have’.

If you’re looking to manage your debt and you live in BC or in AB, give us a call. We’ve got licensed professionals who specialize in debt consolidation and will be there every step of the way on your journey towards financial security.

Feeling blue about the never-ending stream of bills that seem to find their way to your mailbox? And the debt that’s straining your finances? Nothing will get you down quite like debt stress, and nothing causes wrinkles quite like it.

Put down the anti-aging cream and self-help books, because the only way to treat a serious case of debt downer is to face the problem head on. As Scarlett can attest to, avoiding the problem only makes it worse.
So call Full Circle Debt Solutions and talk to a debt management professional to reduce your monthly payments. He will help you consolidate your debt and guide you through your financial road to recovery. As any good dermatologist will tell you, it’s about maintenance, not a quick fix.

When we were living in Calgary, on rare occasions I would have weeks where I had no bills to pay, no things to buy, and nowhere I had to travel to (other than work). Thanks in part to the fact that I’d uprooted my life in Vancouver and moved to a new city, my billing cycles for my utilities, cell phone, and cable were the same. I savored these days, relishing the moments when I’d check my online banking and see the balance NOT decrease. I was so smitten that fanning myself with the cash that was in my wallet may have crossed my mind.

But the days would turn into a couple, and then I’d get that terrible itch. The one that presents itself when I’m feeling particularly good about my good behaviour. Usually triggered by something like a television commercial, or an ad in a magazine, the result was always the same – go out and buy something. And let me tell you, it’s quite the fall, falling off a financial high horse. Your spending goes into overdrive, a sort of subconscious overcompensation for all the saving you’d been doing for the past couple of days.

After a particularly damaging self-rewarding bout, and after the retail euphoria wore off, I was racked with guilt and stress about how much money I’d spent and how much I’d have to pay for it when I got my bill in a couple weeks. So I called up my debt management consultant over at Full Circle. He talked me through some debt-reducing strategies like debt consolidation, and assured me that he’d walk me through the next billing cycle. Relief! I quickly added him to my speed-dial that day.

cruisin'