The Gist:

• Often people who are looking for outside help are those who are not able to get help on their own.

  • Many people in debt feel vulnerable and embarrassed to talk about it, but there is no reason to be!

  • Andrea most commonly helps clients whose financial situations have changed due to divorce, job less, credit loans and loans with unreasonable and un-payable interest rates, and even those who got into deep debt when they were younger and didn’t know any better.

• Getting into more debt is not the way out of debt, and only paying the minimum payments is not a valid payment plan to get ahead of it. In the first few steps towards handling and sorting out debt, many will feel…

  • Relief in not having to answer calls from creditors any longer, as Andrea will help and take over the calls.

  • Relief in not having to pay back as much at a time, making their monthly payments more manageable via professional negotiation with creditors.

• Once one starts missing payments and their credit score starts to nosedive, it’s very hard to see a feasible way out of it. Andrea is here to help by:

  • Immediately taking away pressure by taking over phone calls from creditors and starting to negotiate reasonable monthly payments.

  • Coming up with a payment plan within 3 months on how to pay them back and get out of debt

  • Rebuilding credit

  • Learning about reasonable budgets grounded in the reality of the available income and finding more money in the budget

  • Learning and deciding on how to start saving towards big-ticket expenses such as vacations, vehicles, houses, retirement, etc.

• The sooner you talk to someone like Andrea when the payments start piling up, the better off you will be in the long run.

• There is likely going to be a lot of people who will be owing money to the CRA due to layoffs and CERB relief from COVID-19, which Andrea is equipped to help with!

If you know someone who is acting differently that seems to be a little more than Pandemic fatigue, they may be dealing with more than you know. By sharing this and making this information easily available, you can help someone see the light at the end of the tunnel too.

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