Debt Consolidation Vancouver

Last week, my friend Vicky asked me for advice. She had just gotten laid off at work, and was freaking out because she was receiving all of her monthly bills, and had no clue how she was going to pay them off. I could tell she was real upset, right when I picked up the phone and heard her voice. And boy, did I know how she was feeling. After all, when Mark and I first fell into financial trouble, we even considered skipping town. But I knew Vicky, and I knew she would never even think about defaulting on her debt – after all, she has a little one to consider.
At first, I guess I was surprised that she would think of me to reach out to, of all people. But then I remembered that nobody really knew about what Mark and I had gone through in our younger days, except for my family. I realized, at that moment, that I had to be there for Vicky, 100 percent of the way, just like my sister was there for me, in my time of need.
The first thing I suggested to her was to call my debt management consultant at Full Circle and get his advice on how she could consolidate her debt. All I can hope for is that she’ll be able to get all her bills and debt under control, just like Mark and I did, and be able to live stress-free again.

1. Don’t open up a credit card account just because they offer you a discount. It’s too hard to keep track of multiple accounts and you’ll end up racking up the bills.
2. Ignoring the pile of bills on your desk will NOT make them go away. The only thing that will go away is your credit and the only thing you will gain is debt (at a high interest rate!).
3. Your kids do not need to wear designer duds. Not only do they not appreciate it, kids are cute no matter what brand they’re wearing.
4. It doesn’t matter how much money you spend on decorating your home. Nobody will notice it if your house is a mess.
5. Managing your debt is a full time job – unless, of course, you’ve got Full Circle and their team of licensed debt management consultants by your side.

As you probably already know, I’m somewhat of the black sheep of my financially responsible family. My mother and my sister both, are constantly aware of how much money they are spending and how much money they can afford to spend. I, on the other hand, seem to have been born with an awful predisposition to overspend.

But after my debt management consultant helped me wrangle my debt down to a low, manageable monthly payment, I was finally able to call my mom and just chat. Before, I avoided talking to her on the phone, and when I did, I would have to skirt around any issues that had to do with money, for fear of getting another earful of nagging. And it wasn’t that I was trying to be a bad daughter, you know, never calling my own mother. It’s just that I didn’t want to disappoint her and have her worrying about my money situation.

You can imagine her surprise when she received my call that night. I came clean about all the money trouble I had been in for the past couple of years, and how much stress I had been under. I rambled on and on, not wanting to interrupt before she understood that I had it all under control now, and that I had finally consolidated my debt, with the help of my debt management consultant at Full Circle. When I was done and a little out of breath, there was a moment of silence from my mom’s end. When she spoke, it was very quietly. “I’m proud of you,” she said.

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.

There’s a reason why people let their bills pile up on their desk. The task of paying them is a grueling process, one that takes a big toll on the wallet. There’s a lot of ‘why the heck did I buy this?’, and even more of ‘how the hell am I going to pay for that?’ The problem is, the more we let them pile up, the more they will show up in your mailbox, with the addition of late fee notifications.

At Full Circle Debt Solutions, our goal is to make debt payment easier for you. Our team of licensed debt management professionals will design a debt reduction plan that is tailored to your needs and concerns. We will talk to your creditors and consolidate your debt so that paying your bills feels less like walking into a battlefield and more like a walk in the park.

Mark’s always been the responsible one. And when we first met, he seemed to have it all together – spacious apartment, nice (aka functioning) car, and a stable job that was going somewhere. Once I got to know him, it became very apparent to both of us how different we were when it came to money management. Where Mark was diligent about paying his bills, I was getting late fees and overdrafts. Where Mark only had only one credit card, I had five. Needless to say, he was pretty much free of debt while I was swimming in it. The poor guy, he always had to foot the bill whenever we did something nice, or for that matter, whenever dined at an establishment posher than Pita Pit.

But when Mark lost his job, everything else seemed to unravel along with his career, including his good habits. Instead of opening his bills as soon as he got them, Mark would let them pile up on the desk. So much so that his tower of bills started to compete with my own. Pretty soon, he was swimming right along with me in our ocean of debt.

Our saving grace came when my sister suggested we call Full Circle Debt Solutions. I was skeptical, but at her insistence we gave them a call. I got connected right away to one of their credited debt management consultants who outlined a debt consolidation plan specifically for our situation. Miraculously, he minimized our payments to one so we wouldn’t have to worry about paying so many creditors at the end of the month. I guess it just goes to show that even the best of us can get into money trouble, and only the best can get us out.

When you’re in debt, it’s really hard to think about anything else. Sure, you can avoid looking at the growing pile of bills on your desk – say, by avoiding the desk, or by avoiding the room that houses the desk altogether. But deep inside, you know full well how much money you owe and the extent of your debt. And on the outside, the new clothes hanging in your closet and the brand-new mohair rug on your living room floor are constant reminders. In fact, falling into debt is not unlike stepping on dog sh#!. The smell follows you around and lingers no matter how many times you try to get rid of it.

So if you’re sick and tired of worrying about your debt, and want to do something about it, give us a call. At Full Circle, our team of licensed debt management professionals will help you minimize your debt and your monthly payments. We know everything there is to know about debt consolidation and we’ll even help you get rid of those annoying calls from creditors.