Credit Counselling Services
Money Troubles? We Can Help.
- Relying on credit for daily living expenses?
- Taking out loans or cash advances to pay old bills?
- Arguing over money?
- Putting off paying bills?
- Getting upsetting letters or phone calls from creditors?
- Worried that you’ll never get out of debt?
If you have answered YES to any of these, there is a solution for you. For more information, contact us at 472-6515, or call 1-888-7-IN DEBT (1-888-746-3328) to reach the Ontario Association of Credit Counselling Services central referral service.
Who’s in charge…you or your debts? More money is not the answer-gaining control is. Credit Counselling Services is a non-profit service that provides a free, confidential assessment of your financial situation. For your appointment, you will need to bring financial information such as monthly expenses, debts and account numbers, and proof of income. If necessary, we’ll help you access your credit history.
Take charge or your finances and call for an appointment today. We can help you with budgeting and money management. We can work with your creditors to reduce the interest rates you are paying. We can consolidate your debts and lower your monthly payments. We can help you avoid the expense and hardship of a bankruptcy. We are a fully accredited member of the Ontario Association of Credit Counselling Services.
Why are personal debts so high these days?
Some bankruptcy trustees are predicting a record year. Some of the general reasons are:
- Canadians continue to struggle with low after tax incomes
- Many have higher mortgages
- People are maxing-out on their credit cards
- Rising divorce and unemployment rates are also part of the problem
“Bill collectors are at my door and I just can’t seem to squeeze by anymore. What can I do?”
Lots! See a credit counselor. She can help you with handling money and eliminating your debt. She can get the creditors off you back.
“I owe a lot of money from my student loans. I’m working now but it just doesn’t seem to be enough. Is bankruptcy a good solution to my problems?”
There are other possibilities that should be explored first. Bankruptcy should not be taken lightly. For example, an orderly repayment of debt, established with the help of your credit counselor can help prevent bankruptcy.
Our Program is registered under the business registration number 4454021.