Debt Consolidation Vancouver

Real people's stories about their struggle with debt. For more information go to

Being Julia

The Vancouver rain poured down in sheets. It was a dreary day in December, the day I met Julia.

I was on lunch break, sitting in a diner down the street from the car lot. I stirred the soup that was in front of me and waited for it to cool. As I waited, I took out my pen and wrote the list of my creditors on the white restaurant napkin – six in total.

There were two credit card companies, the Bay, a phone company, The Brick and a credit union. With the list written and my soup still cooling, I stared out at the falling rain outside.

I started to imagine all the cars I would have to sell to pay off each creditor. I pictured them piled on top of each other like bundled commodities.

“Quite the list,” a voice broke in. I turned and saw the waitress refreshing my coffee. “What’s your plan?” she asked.

“Well, I don’t really have one. I guess pay it off slowly,” I replied.

She stared at the list again. “Probably drowning in interest payments.”

I shook my head slowly in agreement.

“You want some advice?”

“Sure, if you’re offering it,” I said.

“I’m offering, only if you are serious about repaying.”

“Of course I’m serious,” I replied. “I’m just a little frustrated about where I should start.”

“Start with this,” she said. She took a pen from her shirt pocket and wrote on her order form. Then she slapped the paper on the table in front of me.

“Check this site out. Come back tomorrow with your questions.”

Skeptical, I paid and walked back to work, wishing I had brought an umbrella.



Insurance it was not, but you would be happy to know I was offered the job at the dealership. I worked there for eleven months. It was humbling, but I realized one thing: Sales is sales. If you can sell a pair of shoes, you can sell a used Toyota Corolla. You either have the gift of sales or you don’t; fortunately, I do!

By the third month I was selling an average of eleven cars a week. It was fun and I loved doing it. I asked questions to the other salesmen, studied vehicle specs at night and by the eighth month mark, I was one of the top sales staff.

With success, came the return of a steady income. I moved out of the parents’ place and bought myself a new coach.

I settled in and started my adult life over again.

The last thing I unpacked was an old cardboard box. It had originally held a new coffee maker, but it was now full of collection letters and old bills from an assortment of creditors. I poured the contents over the kitchen table and stared at the paper reminders for close to twenty minutes.

Where to start?

"It doesn't matter what you're selling."

Fair-Weather Friends

When you’re at the top of your game, everyone is your friend.

At work, emails are returned promptly, the boss invites you over for dinner, the secretary gives you a smile that she only reserves for her boyfriend and your clients swear their allegiance to your services.

At the bar, girls come up and start chatting without even an introduction. They can somehow sense your success and economic potential.

At the gym, the pounds are removed and your muscle definition becomes clear and ripped.

Compliments are thrown upon you, discounts are offered and your Facebook page is full of humourous banter between friends.

Everyone wants to bask in your successful glow.

This is when the credit card companies seek you out and feed on your already inflated ego. They convince you that your income will only increase and that a $30,000 limit on your card is a good idea. ‘You’ll need a whole new wardrobe and a fancy car to keep up with your new, powerful colleagues.’

Then ‘poof,’ like magic, they are gone when your finances turn sour.

It’s bad enough living without the smiles, idle chat and social favours that you enjoyed, but without credit your life becomes a day-to-day struggle.

The only evidence of your creditors existence is the monthly bills they send.

It’s true what they say about fair-weather friends…

Canadian Debt – You’re In the Majority

A recent Canadian poll discovered that a quarter of Canadians carry no debt. The data was collected for Scotiabank, one of Canada’s largest banking institutions.

Interesting… a bank produced a poll about the lack of debt in our country. Isn’t that exactly what they want us to believe so we will go out and apply for a loan, confident, that like other Canadians, we can pay it off quickly.

What about the three quarters of Canadians that do carry a negative balance?

The same survey found that 19 per cent of the individuals polled from British Columbia feel overwhelmed by their debt. If three quarters of our province has debt and 19 per cent are overwhelmed, then there are roughly 600,000 BC residents struggling to pay their bills.

If you are one of the many British Columbians who is in need of credit guidance, talk to Full Circle Debt Solutions about consolidating your debt. You can reduce your creditor list to one, lower your interest payments and eliminate your anxiety.

Call today and talk to a credit counsellor about your financial situation.

You're Not Alone

Know Your Rights as a Debtor

One of the most important things about dealing with debt issues is knowing your personal rights. Your creditors may seem to hold all the cards, but there are rules that apply to their collection practices. Knowing these rules is an important part of managing your debt.

The first thing you should know, is that no creditor has the legal right to use threatening or intimidating language. This applies to contact with you, your family members and or any of your acquaintances. It is also against the law for them to publish a record of your failure to pay.

If a creditor has your correct contact information (home telephone number and address), they are not permitted to contact you at work. If, for some reason, contact cannot be made at the home number, a creditor can make ONE call to the debtor’s place of employment.

A creditor can only phone you between the hours of 7:00am and 9:00pm. They can only contact you on Sunday between 1:00pm and 5:00pm. They can never contact you on a stat holiday.

If you would like to learn more about your rights as a debtor, call 1-877-220-3328.

Make It Stop!

Tighten Up

Boys. We’ve talked about this before, but I think it’s worth another refresher. If you are over twenty-five and looking to find that right someone, you can’t expect to land the women of your dreams when you have a massive debt tugging at your back pocket. It’s not attractive. Trust me. I don’t like mine and I definitely don’t want to marry another person who is in deep as debt as I was a year ago.

But unlike a poor gene physical attribute, your debt can be worked off. You spend all those hours in the gym working off the beer from the weekend before; why not spend some months seriously paying off your creditors?

Don’t know where to start? Look at your bills and find the one with the highest interest rate. Start there. Still confused. Hire Full Circle Debt Consolidation to help you manage your debt. They did wonders for me and look how confident I am now. All it takes is a visit to their site. Fill out the quick form and a debt counselor will call you back. It is that easy.

Now please, try it.  And lose the facial hair. We’re not big fans of that either.

Call Full Circle... Then Shave.

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