Debt Consolidation Vancouver

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

Debt Humour

Sometimes debt is a scary subject. Sometimes it fills us with such extreme anxiety, that we can’t even talk about it. This is natural and it happens to everyone from time-to-time.

But debt can also be as funny as it is scary. To add to the funny side, I would like to pass along this little story.  I hope you enjoy it.

It is a slow day in a damp little Irish town. The rain is beating down and the streets are deserted. Times are tough, everybody is in debt, and everybody lives on credit. On this particular day a rich German tourist is driving through the town, stops at the local hotel and lays a €100 note on the desk, telling the hotel owner he wants to inspect the rooms upstairs in order to pick one to spend the night.

The owner gives him some keys and, as soon as the visitor has walked upstairs, the hotelier grabs the €100 note and runs next door to pay his debt to the butcher.

The butcher takes the €100 note and runs down the street to repay his debt to the pig farmer.

The pig farmer takes the €100 note and heads off to pay his bill at the supplier of feed and fuel.

The guy at the Farmers’ Co-op takes the €100 note and runs to pay his drinks bill at the pub.

The publican slips the money along to the local prostitute drinking at the bar, who has also been facing hard times and has had to offer him “services” on credit.

The lady-of-the-night then rushes to the hotel and pays off her room bill to the hotel owner with the €100 note.

The hotel proprietor then places the €100 note back on the counter so the rich traveler will not suspect anything.

At that moment the traveler comes down the stairs, picks up the €100 note, states that the rooms are not satisfactory, pockets the money, and leaves town.

No one produced anything. No one earned anything. However, the whole town is now out of debt and looking to the future with a lot more optimism.

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Relationships Suffering?

Anxiety is a killer and it comes hand-in-hand with debt. When your bank account is less than the sum of your monthly bills, it’s hard to concentrate on anything else. Relationships suffer, your heath declines and your sour mood is evident to all.

I know.

Let’s talk about relationships. I had an amazing girl for three years when I was working in the liability field. She moved in after a year and shared my Yaletown apartment with me. Things were good.

Then I quit. She supported me and said that if I wasn’t happy, then it was the right decision to move on.

During my extended sabbatical, she put up with my many days on the couch. She knew I needed a break.

But then the money started to run dry and I started to panic. I let my anxiety get to me and I took it out on one of the only people who supported my decision to leave insurance.

After months of quarrelling, she left. Packed her bags one day while I was out and vanished.

I didn’t talk to her for half a year.

We have since made-up. But it took a cold hard look in the mirror, a substantial break and a credit counsellor to see that my debt was the source of my troubles.

Meet Tyler


This is Tyler. I’m new to this, so you will have to bear with me.

I read a few of Julia’s posts, so I have an idea of what you are expecting.

My story begins with a new job. After University, a family friend helped me get into the insurance world. I took a job with one of the major brokerage firms in Vancouver. After three years of paying my dues, I was finally able to build a respectable client book. By year seven I was pulling in over $100,000 a year.

Then I started to get bored with the industry. I made sort of a fool of myself at a business meeting and a week later I handed in my resignation. I worked for another month to save face.

The problem with me quitting my job was the bills that I had acquired during the period when I was making money hand-over-fist.

I had the fast car, a posh apartment in Yaletown and a taste for the finer things.

After a year of semi-retirement, I was out of cash and unable to find work in a field that would interest me. I had to reconsider my finances. I wanted to hold on to a few of the luxury items I had gained when I was at the top of my insurance game, but there was little money to pay for them. Eventually I sold my car, but there were still other bills that I was struggling with.

The anxiety was crippling and it affected my search for a new job.

This 'Was' My Car

What To Do…

Imagine if you added all the hours together that you spent worrying about your debt. What could you do with that time?

You could read the entire Harry Potter series from his early days under the stairs to his final battle with Vold…. ‘The One Who Will Not Be Named.’

You could take ten windsurfing classes – that’s almost pro status.

You could weed, replant and water your garden a dozen times.

You could learn basic Spanish – enough to leave the resort with on your next vacation to Mexico.

You could retile the bathroom.

You could attend at least eight of your son’s soccer games.

You could film, edit and publish a video on YouTube explaining how easy it is to remove your debt with a debt consolidation plan from Full Circle.

Any of these options could be yours.

That last one stands out as a winner.

When you apply for a debt repayment program, your level of anxiety is greatly decreased if not eliminated.  With Full Circle’s help, you will only have to make one payment a month; this amount will be dispersed between your creditors. You will have less interest to pay and you will know exactly how long it will take to eliminate your debt completely. Try it today. Gain back hours of your life almost immediately.

Even 'Debt' is Scared By That Face

Find Work, While Paying Your Debt

Have you recently been laid off work? If you are between jobs and are finding it hard to pay your monthly bills, Full Circle Debt Solutions can help you get back on track.

When you sign up for a debt consolidation plan, Full Circle, with your permission, will contact your creditors and negotiate terms that are more amicable to your current income. If you are currently on unemployment insurance, Full Circle will help you find a way to pay for your living expenses and your debt.

No one likes to be out of work, but our payments still need to be made. The bankruptcy route can be long and painful, with lasting issues surrounding your credit rating.

Choose the safer route and apply for debt consolidation. Once you find work again, you will be glad you chose to continue your payments instead of throwing in the towel.

Here are some helpful resources for finding work in British Columbia.

Service BC website:

Don’t discount Craigslist:

Good luck!

Debt Anxiety

Friends. I’ve been telling you for weeks about my debt problems and yes, the numbers speak for themselves, but the number one reason I made the valuable decision to contact Full Circle Debt Consolidation was that the anxiety was killing me. I had all these bills coming in, a modest income and I felt helpless in my efforts to control my financial destiny. That’s where Full Circle can help.

By consolidating your debts, Full Circle can create a single payment plan that is much less daunting than five or more credit statements.

With a plan in place you will find yourself getting more rest, enjoying your leisure time and improving your output at work. Debt anxiety is a taxing affair that only has the potential to damage our regular activity.

Find freedom from the worry and stress of your credit debt with the help of the financial counselors at Full Circle. Your basic everyday demeanor will improve, you will take a positive first step in repaying your loans and your credit rating will remain level.

By reading this blog you are already ahead. Try the service of Full Circle Debt Consolidation. Call them today.

Full Circle Can Help

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