Debt Free®

The Debt Solutions People®

Financial Debt Help:
Stress Indicator Checklist

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Personal & Business Debt Crisis

Sometimes, financial troubles can get out of control quickly, before you’ve even realized it. Having bad debt and being chased by creditors can be extremely stressful, often causing people to adopt behaviours that worsen the situation.

Go through the applicable list below and see if these indicators reflect what is happening in your life today. If you find yourself checking off several of these, this is likely a signal that your debt problems are serious and need to be addressed immediately.Don’t hesitate—call our office today and get on the road to financial recovery.

Check Your Personal Debt Stress Indicators

  •  Credit refusals
  •  Support payment problems
  •  Pressure from bill collectors
  •  Depression
  •  Unpaid bills piling up
  •  Fear of foreclosure or losing your car
  •  Arguments over money problems
  •  Credit cards past due
  •  Gambling losses
  •  Pawning, borrowing, stealing
  •  Repeatedly asking relatives for money
  •  Using one credit card to pay off another
  •  Anger at creditor calls
  •  Unexpected job loss
  •  Feeling alone and hopeless
  •  Behind in taxes

Check Your Business Debt Stress Indicators

  •  Loan demand
  •  Inability to meet payroll
  •  Suppliers pressuring for payment
  •  Anxiety
  •  Failure to pay monthly rent/lease
  •  Behind in taxes
  •  Downturn in the market
  •  Customer base decreasing
  •  Bailiff seizures
  •  Merger or break-up
  •  Multiple re-mortgaging
  •  Internal misappropriation of funds
  •  Corporate funds depleted
  •  Personal funds depleted
  •  More cash going out than in
  •  Depression

We offer customized debt counselling for your needs.

Where To Find Us

Find us in the First Edmonton Place building on the corner of Jasper Avenue and 107th Street, behind the Corona LRT Station. Street meter parking is available along Jasper Avenue as well as 106th and 107th Streets, and paid surface parking is off of 106th Street, and underground parking for First Edmonton Place is off of 107th Street.

A.C. Waring &
Associates Inc.

  • First Edmonton Place
    410-10655 Jasper Ave NW
  • Edmonton, AB T5J 3S9

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Blog

Handling the Debt of a Loved One Before or After They’ve Passed

Debt Management

Losing a loved one is always difficult, and it can be even harder when you have to handle their finances. If you are their power of attorney (POA) while they are still alive, you could be responsible for managing various debts such as utility bills, subscriptions, taxes (personal and property), credit cards, loans, and mortgages. As the […]

Read More…

March 7, 2024
Arthur Waring

How To Deal With Overwhelming Credit Card Debt

Credit and DebtDebtDebt Management

Credit cards help cover costs in advance—they do not provide free money. They are a loan that requires repayment within the credit agency timelines, which many people can struggle with.   If you are struggling to pull yourself out of credit card debt, there are strategies you can use to take control of your situation, including […]

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January 10, 2024
Arthur Waring

What Your Credit Score Actually Means

Credit and Debt

Your credit score can be a significant factor when you are seeking a loan, mortgage, or even rental accommodation. Your credit score is essentially a rating of your creditworthiness. It is important to know how different types of debt can impact your credit score so you can responsibly manage it. A credit score is not […]

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January 10, 2024
Arthur Waring
A close-up of a person signing a power of attorney document.

Losing a loved one is always difficult, and it can be even harder when you have to handle their finances. If you are their power of attorney (POA) while they are still alive, you could be responsible for managing various debts such as utility bills, subscriptions, taxes (personal and property), credit cards, loans, and mortgages. As the […]

Read More…

Credit cards help cover costs in advance—they do not provide free money. They are a loan that requires repayment within the credit agency timelines, which many people can struggle with.   If you are struggling to pull yourself out of credit card debt, there are strategies you can use to take control of your situation, including […]

Read More…

Your credit score can be a significant factor when you are seeking a loan, mortgage, or even rental accommodation. Your credit score is essentially a rating of your creditworthiness. It is important to know how different types of debt can impact your credit score so you can responsibly manage it. A credit score is not […]

Read More…

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