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FAQ<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
We provide answers to your most commonly asked questions.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”#debt-help-form” button_text=”Get Help Now” button_alignment=”center” disabled_on=”on|on|off” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][et_pb_button button_url=”tel:1-888-527-8999″ button_text=”1-888-527-8999″ button_alignment=”center” disabled_on=”off|off|on” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” module_id=”uperform-section” _builder_version=”4.21.0″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||150px|||” custom_padding_tablet=”||140px||false|false” custom_padding_phone=”||45px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_popup_slug=”uperform-section” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.22.0″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=”H1 Heading” _builder_version=”4.17.4″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n
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We answer hundreds of questions on a daily basis about personal finances, credit, debt, and our organization. The questions we most commonly get are answered and found below. If you have a question you’d like answered that isn’t listed here, or would like a bit more information, feel free to call us at 1-888-527-8999<\/a> or chat with us online<\/a>. We’d be happy to answer any question you might have – even if you’re asking for someone else.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” next_background_color=”#5b25af” admin_label=”Section” _builder_version=”4.16″ custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”0px||100px|||” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion open_toggle_background_color=”#ffffff” closed_toggle_background_color=”rgba(231,223,243,0.4)” icon_color=”rgba(91,37,175,0.15)” use_icon_font_size=”on” icon_font_size=”20px” _builder_version=”4.19.5″ _module_preset=”default” border_radii=”on|8px|8px|8px|8px” border_width_all=”0px” border_color_all=”#e7dff3″ global_colors_info=”{}”][et_pb_accordion_item title=”Your Title Goes Here” open=”on” open_toggle_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”]<\/p>\n Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What are the main reasons for financial problems?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n Some of the most common reasons why people experience financial difficulty are:<\/p>\n <\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What options do people have to deal with their debts?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n Generally speaking, Canadians have many options to choose from to resolve debt and financial problems. But the longer someone waits to deal with their situation \u2013 and the worse things get \u2013 the fewer options they\u2019ll have as time moves on. However, the good news is that when most people see nothing but a dead end, we specialize in helping them find options and put together a realistic plan to get back on track. Some of the options we may look at with someone can include:<\/p>\n In many cases, we help people find ways to overcome their financial challenges without any of these programs. We often find that just providing someone with a fresh perspective, some knowledge, new insights, an optimized budget, and an action plan enables them to tackle their financial challenges on their own without additional help.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What are the warning signs that someone may need help with their debt?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n There definitely are warning signs to watch out for. These can include:<\/p>\n <\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Does talking to you impact my credit?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n No. Talking with us is completely confidential and free of charge. No one will ever know that you spoke with the Credit Counselling Society for an information consultation.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Can you help me with bankruptcy?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n If you believe that bankruptcy<\/a> is the only option left for you, we’re the right people to talk to. Between financial difficulty and bankruptcy are a lot of options that have far less severe impacts to your credit, future employment, and living prospects. We specialize in helping people explore the pros and cons of all the options available. We\u2019ll help you take an objective look at your whole financial situation, and if bankruptcy is the best option for you, we\u2019ll refer you to a reputable trustee<\/a> to help you with that.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What’s the difference between you and for-profit debt relief companies or debt consultants?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n There are many differences but one of the big ones is that we don\u2019t pay our staff commission. Our staff are paid the same no matter what option you choose to deal with your debt situation. They don\u2019t have a financial motive compelling them to steer you in a certain direction and sign you up for a specific product or service. Instead, they have an objective conversation with you about all your options without sugar-coating anything.<\/p>\n Another big difference is that all of our counsellors are professionally trained and accredited by the AFCPE<\/a>, and our organization is accredited by Credit Counselling Canada<\/a>. We’re also accountable to the National Foundation for Credit Counselling<\/a>. No other credit counselling or debt relief organization in Canada has submitted themselves to this level of accountability, opened themselves up to this level of transparency, or has received this level of professional accreditation.<\/p>\n Another huge difference is that we help around 95% of the people who contact us entirely for free. Only around 5% of the people we help choose to go onto one of our programs that requires them to pay something (however, we do reduce or waive these costs if we believe that someone can\u2019t afford them). It would be extremely difficult for a for-profit business to stay in business if they were to help 95% of people for free. This is why we were created as a non-profit that is supported by donations from the financial community \u2013 and the reason why so many businesses, government agencies, community groups, and individuals refer so many people to us every day.<\/p>\n On top of all this, our demonstrated commitment to excellence is unparalleled in our industry. We win more Consumer Choice Awards every year in cities across Canada than all other organizations in our field combined. 98% of our clients surveyed last year report they would recommend our service to others (we surveyed over 20,000). On Google, Facebook, Yelp, and other websites, you\u2019ll find over 1,000 reviews<\/a> that also reflect our commitment to excellence and always doing what\u2019s in the best interest of everyone we help.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Do you loan money?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n While we don\u2019t loan money, we can give just as much or more help for someone\u2019s finances in a number of other ways. This may sound strange, but here\u2019s two ways that we accomplish this:<\/p>\n <\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Since you’re non-profit, where does your funding come from?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]Over 70% of our funding comes from donations from the credit granting community.[\/et_pb_accordion_item][et_pb_accordion_item title=”Why would creditors want to give you money?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n Creditors help fund our services and programs because:<\/p>\n <\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”What amount of debt do you deal with?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]We can help you with any size of personal debt whether it\u2019s $2,000, $20,000 or $200,000. The amount doesn\u2019t matter. Helping you is what matters. There are solutions and strategies to deal with every size of debt.[\/et_pb_accordion_item][et_pb_accordion_item title=”Who are the main credit bureau companies in Canada?” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n There are 2 main credit bureau companies in Canada, Equifax and TransUnion, and each will send you a copy of your own report once a year for free if you request it by mail or phone. Here’s how to get a free copy of your credit report and check your credit score<\/a> (these are often two separate things).<\/p>\n <\/p>\n Equifax Canada<\/strong><\/p>\n Consumer Relations: 1-877-323-2598<\/p>\n Touch tone request: 1-800-465-7166<\/p>\n\n
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