“I was sitting on the bus today, on my way home from work, and saw an ad that said ‘My Debt Rescue’. Moments later, we drove past a billboard and saw the same words. If that isn’t a sign, I don’t know what is. I quickly jotted down your company name. I need my own debt rescue!”
Almost Given Up
“I have had debt for as long as I can remember. I have six different credit cards that I used to buy things for my 3 children while I raised them as a single mother. I am behind on all of them. At this point, I am getting collection calls every day, and while I want to pay them back, in reality I’ve given up hope. Can you help?”
“I feel like I am trapped. I make good money working in the oil fields but I am maxed out on my credit cards and this week I had to take out a payday loan just to have enough money for my truck payment. Collection companies are calling me every day and they are threatening to garnish my paycheques, which I can’t afford right now. My buddy said you helped him. Hopefully you can do the same for me.”
Every single day, we receive emails and calls that sound just like this. If you feel like you are alone in your debt struggle, you’re not alone. Whether you have bad credit, can’t pay your bills or are feeling harassed by calls from collection agencies, LCTaylor is here to help you with your money troubles. We will stay by your side and help you find debt solutions.
10 Ways To Tell if You Have a Real Debt Problem
You may wonder if you really need help with your debt, or if you should just continue handling it on your own.
How do you know if it is time to seek professional help for your debt? Generally, one or more of the following things have been happening to you:
- You are not able to pay off the balance on your credit cards every month.
- You have had your cheques bounce due to insufficient funds.
- Your cards have been declined when trying to make a purchase.
- Your utility bills are falling behind, or utility companies are threatening to cut off services.
- Creditors are harassing and threatening you.
- Your wages are being garnished.
- You live in your Overdraft Protection.
- You have borrowed money from family or friends.
- You have borrowed from a payday loan service to get you from one payday to the next.
- Your monthly debt payments exceed 20% of your net income (the income you bring home after taxes.)
My Debt Rescue – Just What I Need!
If any of the above situations resonate with you, you may be thinking to yourself, “I could really use my own debt rescue.” At LCTaylor, our goal is to educate consumers about all of the options available to those who have financial problems.
LCTaylor is a team of caring, experienced Licensed Insolvency Trustees who will help you to stop bad credit, get out of debt and stay there. We have been helping people for more than 30 years out of our two offices – one in Winnipeg and another in Kenora. We offer a full array of options including credit counselling, credit proposals and bankruptcy.
Our goal is to provide the best possible solutions for your individual situation. Finding a debt solution is truly a team effort and we look forward to working alongside you to resolve your debt struggles. We are excited to hear you say the words, “I finally have my debt rescue!”
Do you need help with debt? You may need to first meet with an expert! To find out how to reduce your debts, set up an appointment at LCTaylor’s Winnipeg office.