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Home » Debt Stories » Eugene Gets Ahead of Just Getting By


EUGENE GETS AHEAD OF JUST GETTING BY

For 45-year-old Eugene of Edmonton, the path to debt wasn’t paved with frivolous
purchases, fancy gifts or multiple credit cards. It was simply a matter of
getting by.

The father of three says his mortgage, insurance and interest combined to
overwhelm him.

An engineer, Eugene moved to Edmonton from the Philippines in 2007 and took a
position as a project coordinator after learning he couldn’t work locally as an
engineer. Settling in, he and his wife contemplated their next move. Unsure
about purchasing a house, he says his wife pushed him.

“I thought maybe this is not the right time,” he says, “but my wife insisted.”

Eugene was told he was ineligible for a mortgage. “We were not approved,” he
laughs. However, much to his surprise, he received a phone call the following
day informing him that there had been a mistake and he had been approved after
all.


SHORTLY AFTER THEY BOUGHT THEIR HOME, THE FINANCIAL RESPONSIBILITY BEGAN TO TAKE
ITS TOLL…

“I was paying around $2,500 a month,” Eugene says. “It was 85 percent of my
salary.”

By 2009, the stress proved too much to bear. How did he know? When he counted
all payments, loans, and the collective interest of everything between him and
his wife, the debt had reached a high of $20,000. Eugene felt trapped.

“When I realized we were in trouble, I said to my wife, ‘I have a feeling we
should go back home,’” he recalls. “I had to do something, so I made a move.”

The journey to financial freedom was as simple as a brief Google search.
“Consolidated Credit was right up top. I called the office, spoke to a gentleman
and explained my situation. I was able to talk to someone right away, and they
said they could help me. They gave me a plan. It was so manageable,” he
explains. “It was a big breather.”


HOWEVER, THE STRESS OF THE SITUATION HAD ALREADY MANAGED TO TAKE ITS TOLL…

Eugene suffered a major heart attack in 2009 and a second in 2012. The second
heart attack was near-fatal, shutting his organs down.

“Stress creates trouble,” he says. “If you’re a person who carries so much
stress inside the body, you don’t see the problem until you feel it. You don’t
realize.”

Sadly, Eugene is now battling Stage 3 cancer.

“If you don’t manage your finances properly, it’s just like digging your own
grave. Little by little. One day at a time.”


EUGENE HOPES FOR THE BEST FOR HIMSELF AND HIS FAMILY – AND IS NOW COMPLETELY
DEBT FREE.

“Everyone has problems. I learned there is always hope. There are always people
that help people. There’s always someone. Hope is waiting just outside your
window.”

If you’re struggling with your own debt problems – particularly if that stress
is starting to affect your health – you need to get help. Call Consolidated
Credit today at (855) 880-5301  or take the first step now with a request for
a Free Debt Analysis.

THANK YOU FOR YOUR APPLICATION!

Consolidated Credit has helped more than 500,000 Canadians in 15 years find
relief from debt. Now we’re here to help you.

A Trained Credit Counsellor will be calling you at the number you provided.
They’ll complete your free debt and budget analysis, then discuss the best
options for getting out of debt with you. If you qualify to enroll in a debt
management program, your counsellor can also help you enroll immediately.

For immediate assistance, please call:

(855) 880-5301

Hours of Operation:

Monday – Thursday 8:30AM to 8PM (EST)

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Saturday 9AM to 2PM (EST)

Headquarters:

505 Consumers Road, Suite 400

Toronto, Ontario M2J 4V8

Ontario Registration #: 4705786




WHAT IS YOUR TOTAL CREDIT CARD DEBT AMOUNT?

Debt Amount
$10,000



PROVIDE A FEW DETAILS ABOUT YOURSELF.

First Name
Last Name
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