{"id":6886,"date":"2017-09-25T08:45:32","date_gmt":"2017-09-25T15:45:32","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=6886"},"modified":"2024-02-27T11:59:24","modified_gmt":"2024-02-27T19:59:24","slug":"breakfast-television-vancouver-5-signs-debt-might-problem","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/breakfast-television-vancouver-5-signs-debt-might-problem\/","title":{"rendered":"Breakfast Television Vancouver:  5 Signs Your Debt Might Be a Problem"},"content":{"rendered":"<p>Blair Mantin, a Licensed Insolvency Trustee and Vice-President of Sands &amp; Associates was a recent guest on Vancouver\u2019s Breakfast Television.\u00a0 Debt is a fact of life for most Canadians, with recent Statistics Canada research indicating that Canadians have reached a record-high level of household indebtedness &#8211; and that this debt level doesn\u2019t seem to be declining any time soon!<\/p>\n<p>As Blair explains, many Canadians may be managing just fine, making minimum payments each month \u2013 but how do you really know when your debts are becoming a problem?<\/p>\n<p>Watch the clip below, and read on for more information about identifying the warning signs of a debt problem:<\/p>\n<p><div class=\"responsive-iframe\"><iframe loading=\"lazy\" title=\"Breakfast Television Vancouver: 5 Signs Your Debt Might Be a Problem\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/C9ZxGt7YX8U?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><\/p>\n<ol>\n<li><strong>Not knowing how much you owe and to who<\/strong>:\n<ul>\n<li>For many people who come to see \u00a0Sands &amp; Associates, there is a moment of \u2018catharsis\u2019 when we sit down together and open the stacks of bills that they\u2019ve been too scared to face for so long.\u00a0 If you find yourself ignoring the inevitable bills each month, or are in a situation where you are unclear about who you owe and how much, this is a big warning sign that things may be going off track.<\/li>\n<li>A good place to start to get control, is to pull your credit history report.\u00a0 There are two bureaus in Canada (Equifax and Transunion) and both are required to give you free access to your credit report once a year.<\/li>\n<li>Even if you think you know who you owe, it\u2019s good practice to check your credit report to ensure you haven\u2019t been the victim of identity theft or had your personal data compromised or breached.<\/li>\n<li>Get the forms <a href=\"https:\/\/www.sands-trustee.com\/downloads\/\">here<\/a>.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Using credit to pay credit <\/strong>\n<ul>\n<li>Often when people find themselves unable to pay their debts, they actually deepen the problem by taking on more credit and using it to pay existing debts.<\/li>\n<li>A prime example is PayDay loans \u2013 the idea of a payday loan, is a short term small-dollar loan to get you through to payday.\u00a0 The problem is that the interest and fees are normally so high (calculated at 443% by Consumer Protection BC ) that an individual needs to take out a <em>second<\/em> payday loan just to pay off the first!\u00a0 Often this cycle multiplies and it\u2019s not uncommon for people to have even 10-15 payday loans outstanding at a single time.<\/li>\n<li>If you\u2019ve used a PayDay loan more than once in the past six months, this is a strong risk factor for bigger financial difficulty.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Collection calls\/threats of wage seizure<\/strong>\n<ul>\n<li>If you begin to miss payments on your debts, creditors will normally first try to work with you nicely \u2013 after all, you\u2019ve probably been a customer for a long time and they want to keep you.\u00a0 Once about 3 months of missed payments have gone by, most banks and credit card companies will essentially \u2018give up\u2019 on the customer relationship and get collection agents involved to convince you why you should pay this debt.<\/li>\n<li>This can be very difficult as, obviously, if you could have paid the debt, you would have already done so.\u00a0 Having an individual (or several individuals) call you morning, noon, and night, literally 7 days per week is of course, incredibly stressful.<\/li>\n<li>There is generally little to be gained by engaging in conversations with collectors.\u00a0 Talk to an expert who really understands how collections work \u2013 like a Licensed Insolvency Trustee.\u00a0 The Province of BC has special consumer protection legislation that allows you to stop collection calls simply by sending a standard letter saying that you don\u2019t agree to this method of contact (ie Phone calls).\u00a0 We have the standard letter available <a href=\"https:\/\/www.sands-trustee.com\/downloads\/\">here<\/a>.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Physical and emotional stress symptoms<\/strong>\n<ul>\n<li>The cost of debt is much more than just financial.\u00a0 Debt impacts our work, our relationships, our families and our physical and mental health.\u00a0 A <a href=\"https:\/\/www.sands-trustee.com\/blog\/sands-associates-releases-fifth-annual-bc-consumer-debt-study\/\">2017 survey<\/a> of our clients at Sands &amp; Associates found that 97% of people seeking help with their debts were experiencing some form of ill-effect symptom including depression, discouragement, fear, feelings of hopelessness and anxiety.<\/li>\n<li>Know that there is a solution to every single debt problem!\u00a0 Understand that Canadian law gives you the right to a financial fresh start \u2013 no matter how bad things seem, you are entitled to a \u2018do over\u2019.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Making just minimum payments<\/strong>\n<ul>\n<li>The final warning sign might not seem like one at all.\u00a0 After all, making minimum payments each month is exactly what you\u2019re supposed to do, right?\u00a0 Well, the problem is that if <strong><u>all<\/u><\/strong> you\u2019re able to pay each month is the minimum payment on your debts, you are most likely on the \u2018never-never\u2019 plan for financial freedom.\u00a0 With interest rates on credit cards being where they are, even a $6,000 debt can take up to 40 years to clear if just the minimum payments are made!\u00a0 For some store-branded credit cards, the interest rates are so high (24% or more) that the debts will double on their own every 3 years if you do nothing about it.<\/li>\n<li>If you find yourself paying just the minimum each month, talk to a Licensed Insolvency Trustee who can help you understand your legal rights to get you off the minimum payment hamster wheel.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><strong>Who We Are:<\/strong><\/p>\n<p>Sands &amp; Associates is BC\u2019s leading firm of award-winning Licensed Insolvency Trustees, with a focus on assisting individuals and small businesses to regain control of their finances. Founded in 1990 and operating from a network of local offices throughout the province, we take pride in our empathetic and non-judgmental approach to providing debt options.<\/p>\n<p><em>A debt-free future IS possible. Take the first step, <a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">book your free confidential debt consultation<\/a> to discuss your situation and get real debt solutions.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Blair Mantin, a Licensed Insolvency Trustee and Vice-President of Sands &amp; Associates was a recent guest on Vancouver\u2019s Breakfast Television.\u00a0 Debt is a fact of life for most Canadians, with recent Statistics Canada research indicating that Canadians have reached a record-high level of household indebtedness &#8211; and that this debt level doesn\u2019t seem to be [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":6887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[263,260],"tags":[38,39,74,197,37,117,120,50,43,70,204,35],"class_list":["post-6886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-debt-advice","category-in-the-media","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-bc-debt","tag-consumer-news","tag-consumer-proposals","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-consolidation","tag-financial-stress","tag-licensed-insolvency-trustee","tag-sands-associates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Signs Your Debt Might Be a Problem | Sands &amp; Associates<\/title>\n<meta name=\"description\" content=\"How do you know when your debts are becoming a problem? 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