Debt Consolidation Vancouver

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.

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.

When Mark and I first moved in to our new apartment in Calgary, it was not all sunshine and roses. Both of us had been struggling a bit with our finances, trying to keep up with rent, bills, and student loans. So it was sort of a no brainer for us to live together so that we could split our living expenses.

But just when things started looking up, Mark lost his job at the architecture firm and had to go into freelance consulting. Our cash flow reduced to a meagre trickle, what with my pay as a legal assistant and his inconsistent employment. Add that to the trail of personal debt that had followed me from Vancouver, and we were in serious trouble.

That’s when the fighting started. And it was always about money, even if it wasn’t explicitly expressed. As you can guess, passive aggressiveness was usually my weapon of choice. Despite the fact that my finances were in a worse state than Mark’s, I picked fights over just about anything – not putting the toilet seat down, his gym membership fees, and the flavor of ice cream he’d buy – everything was fair game.

During one particularly ridiculous argument, while bickering about the recyclability of a pizza box, Mark’s pressed his lips together and his grinning eyes caught mine. In that instant, it dawned on me how crazy we had become, and I burst into an uncontrollable fit of laughter.

Looking back at those days now brings a smile to my face, but only because we decided post-pizza box, to do something about our debt. We called Full Circle, and one of their debt management consultants guided us through the process of debt consolidation. We reconfigured our monthly bills to one low monthly payment and never looked back.

relationship saviour?

You hear all the time about how raising a kid is hard work and how it costs a lot and how you never get as much sleep as you’d like to. But you never truly understand all of that until you actually have one.  After we had Griffin, the cost of diapers alone was enough to keep me on contraceptives until at least Mark and I got our debt under control. Lucky for us, and for our beautiful Silvia, we gave Full Circle Debt Solutions a call one evening after a particularly disheartening day of opening up the bills. They patiently guided us through the process of consolidating our debt and our monthly payments. Our minds were immediately put to ease and a year later, the cutest little girl, Silvia, came into our lives!

to think it almost came to this

We hope you are enjoying Scarlett’s story so far. It is certainly told with a lot of heart.

We at Full Circle Debt Solutions thought that we would interject here for a moment to offer a bit of a reality check. As we don’t want you to get worried that debt is just doom and gloom (sorry, Scarlett).

SPOILER ALERT:

In the end, Scarlett was able to make her payments a manageable $150/month (from $300/month) – and in the end, she paid her entire debt off within a year.

Scarlett and Mark now live in a beautiful three-bedroom apartment with a sunny North-western view. They have two beautiful children – Griffin and Silvia.

Life all worked out in the end, and to her credit, Scarlett did it all on her own. After picking up the phone that day in the bath, she called us up at Full Circle Debt Solutions and were able to consolidate her debt, talk to her creditors, and negotiate payments that suited her lifestyle. In the end, we saved her thousands of dollars in bills and months of headaches.

She did write this blog, years ago, and would like to share it with you for inspiration. If you would like to follow along from the beginning, click here.

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