[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/foreclosure-vs-mortgage-bankruptcy_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” 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 custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” custom_padding=”0px|||||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Foreclosure vs Mortgage Bankruptcy<\/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=”{}”]Learn how foreclosure works, how it’s different from bankruptcy, and how to avoid it.[\/et_pb_text][\/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” _builder_version=”4.16″ 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_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=”4.16″ 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=”4.27.2″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
There are differences between how\u00a0mortgage foreclosure\u00a0<\/strong>works in the\u00a0bankruptcy process<\/a>\u00a0<\/strong>in Canada versus the States. In Canada, going bankrupt<\/a>\u00a0doesn\u2019t mean that you lose your house or end up in foreclosure. Bankruptcy also doesn’t stop the foreclosure process because a mortgage is a secured debt. Bankruptcy deals with unsecured debts<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”1px||0px|||” custom_padding_tablet=”35px||0px||false|false” custom_padding_phone=”55px||||false|false” 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 column_structure=”1_2,1_2″ make_equal=”on” module_id=”pay-bills” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/mortgage-foreclosure_2colm.jpg” alt=”Close up of foreclosure notice document, keys and judge gavel on a table” title_text=”house-mortgage-foreclosure” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ custom_padding_tablet=”||40px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n Foreclosure<\/strong>\u00a0is what happens when you can’t pay your mortgage and the lender takes over owning your home. The lender then sells your home to pay off what you owe them. You have no control over how the home is sold and will be given notice to leave the property, sometimes even before it’s sold. It depends on the circumstances as to when you have to leave.\u00a0\u00a0<\/p>\n Depending on the outcome of the\u00a0sale<\/strong>\u00a0and your overall situation, you may be required to pay any amount that’s\u00a0short\u00a0<\/strong>if the home is sold for less than what you owe. That means you could lose your home, but still have to pay more to deal with your debts.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” prev_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”150px||1px|||” custom_padding_tablet=”150px||45px||false|false” custom_padding_phone=”120px||||false|false” top_divider_style=”curve2″ bottom_divider_style=”wave2″ bottom_divider_color=”#e4f8e0″ 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 column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Bankruptcy eliminates your\u00a0unsecured debts, so a debt like your mortgage, which is a\u00a0secured debt, isn’t included in your bankruptcy\u00a0in Canada.<\/p>\n If you’re having\u00a0problems paying your mortgage<\/a>, after you miss 2 payments your lender will start contacting you and requesting that you catch up on those missed payments immediately.<\/p>\n If you miss a third payment or are unable to catch up and stay caught up, the lender will start the foreclosure process.<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/avoid-bankruptcy-foreclosure_2colm.jpg” alt=”Anxious brunette woman having frustrated stressed expression, holding one hand on her head and a phone with her other one” title_text=”stressed-on-the-phone to avoid-bankruptcy-foreclosure” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||47px||false|false” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#e4f8e0″ _builder_version=”4.16″ custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”130px||0px|||” custom_padding_tablet=”” custom_padding_phone=”” top_divider_style=”wave2″ 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 column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-secured-card” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/common-questions-about-bankruptcy-foreclosure_2colm.jpg” alt=”Young guy sitting on his desk and looking at his laptop” title_text=”reading-common-questions-about-bankruptcy-foreclosure” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height_last_edited=”off|tablet” custom_margin=”||||false|false” custom_margin_tablet=”||25px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_phone=”||17px||false|false” custom_padding_last_edited=”on|tablet” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n A common question about foreclosure vs mortgage bankruptcy<\/strong> is how the process works. Many people wonder if they’ll lose their home or not, what rights their mortgage lender<\/strong> has, or if getting a loan<\/strong> will help them. Some of your questions might be answered in the information above.<\/p>\n In Canada, when you declare bankruptcy<\/strong>, your mortgage<\/strong> isn’t automatically in foreclosure<\/strong>. Your mortgage is a secured debt<\/a>, so it isn’t included in your bankruptcy. The rules in each province are a little different, so your trustee will explain what happens to your home and your mortgage if you declare bankruptcy, and how declaring bankruptcy can affect foreclosure.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”150px||1px|||” custom_padding_tablet=”150px||45px||false|false” custom_padding_phone=”120px||4px||false|false” top_divider_style=”curve2″ top_divider_color=”#ffffff” bottom_divider_color=”#e7dff3″ 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 column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin:auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n The foreclosure process<\/strong> usually takes a timeline<\/strong> of about 6 \u2013 10 months to complete. During this time, you will likely not make any further mortgage payments. While it might be possible to stop your home from being foreclosed, it will mean catching up all arrears and fees. We can help you look over your budget and finances before you talk to your lender if this is your situation.<\/p>\n You are usually able to remain living in the home while it is up for sale. If you do choose to stay in the home during this time, save funds towards a rental deposit elsewhere and prepare to move on short notice.\u00a0<\/p>\n <\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/reading-letter_2colm.jpg” alt=”Anxious couple sitting on their couch reading their bills at home in living room” title_text=”reading-letter” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||33px||false|false” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#e7dff3″ next_background_color=”rgba(0,0,0,0)” _builder_version=”4.17.4″ _module_preset=”default” background_color=”#ffffff” custom_margin_tablet=”||||false|false” custom_margin_last_edited=”off|tablet” custom_padding=”100px||30px||false|false” custom_padding_tablet=”||30px||false|false” custom_padding_phone=”100px||50px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” 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_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n If you’re having trouble paying your mortgage and are worried that you might be facing foreclosure,\u00a0contact us<\/a>\u00a0for help right away. You will have more options available to you if you ask for help sooner rather than later. Sometimes, once you\u00a0deal with your debts\u00a0and other bills, you can catch up, resume regular mortgage payments and stay in your home. You can get more information about\u00a0bankruptcy and avoiding mortgage foreclosure\u00a0by calling us at 1-888-527-8999<\/a>,\u00a0emailing us<\/a>, or\u00a0chatting with us online<\/a>\u00a0now.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”CTA – Back on track” _builder_version=”4.16″ background_color=”rgba(0,0,0,0)” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_320755361_extra-scaled.jpg” parallax=”on” parallax_method=”off” transform_translate_linked=”off” z_index=”0″ max_width=”100%” custom_padding=”250px||250px||true|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” top_divider_height=”130px” top_divider_arrangement=”above_content” bottom_divider_style=”ramp2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”140px” bottom_divider_arrangement=”below_content” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” background_last_edited=”on|phone” parallax_tablet=”off” 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 column_structure=”1_2,1_2″ admin_label=”CTA Components” _builder_version=”4.4.7″ background_enable_color=”off” z_index=”0″ width=”90%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||-18px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||false|false” animation_direction=”top” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” global_module=”11224″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”0px|40px” transform_translate_phone=”” transform_translate_last_edited=”on|tablet” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” custom_padding=”|||” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading” _builder_version=”4.24.2″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”44px” text_line_height=”1.2em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|desktop” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|desktop” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”62%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px|79px|||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”|||3px||” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.24.2″ text_text_color=”#ffffff” text_font_size=”22px” text_line_height=”1.4em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-11px||40px|||” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″ global_colors_info=”{}”]Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can’t fully help you, we’ll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. We’re here to help.[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Talk to Us” button_alignment=”center” _builder_version=”4.21.0″ custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ custom_margin_tablet=”45px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_last_edited=”off|tablet” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/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=”Related Topics” _builder_version=”4.19.3″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”0px||||false|false” custom_padding=”70px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” 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=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/how-to-get-free-help-and-advice” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/consolidation-free-advice_related_topic.jpg” alt=”Young credit counsellor woman talking to a mature couple during a meeting in the office” title_text=”consolidation-free-advice_related_topic” _builder_version=”4.16″ border_radii=”off|8px|8px||” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n If you want to speak with an expert to find out the best options for your situation, there are two good places you can go to get free advice.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/debt-management-program” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/debt-consolidation-program_related_topic.jpg” alt=”Close up of a table with coins, calculator and calendar showing a red deadline for the end of the month” title_text=”debt-consolidation-program_related_topic” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n This debt relief program can consolidate your debt payments and reduce or eliminate interest rates.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”https:\/\/nomoredebts.org\/blog\/debt-consolidation\/5-reasons-people-are-declined-debt-consolidation-loans” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/debt-consolidation-declined_related_topic.jpg” alt=”Worried middle aged guy looking at bills and a computer in the kitchen” title_text=”debt-consolidation-declined_related_topic” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n Getting a debt consolidation loan isn\u2019t always as easy as many people think. Here are the top reasons people get turned down.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\nMortgage Foreclosure
Pay Your Mortgage to Avoid Your Lender Selling Your Home to Get Money Back<\/span><\/h2>\nAvoid Bankruptcy Foreclosure
Pay Monthly Bills for Secured Debts Like Mortgages<\/span><\/h2>\nCommon Questions About Bankruptcy Foreclosure<\/h2>\n
Mortgage Foreclosure
Process and Timeline – Save Funds and Prepare to Move on Short Notice<\/span><\/h2>\nBankruptcy Mortgage and Foreclosure – Contact Us for Help About\u00a0What to Do<\/h3>\n
Find out how to get debt relief<\/h3>\n
Related Topics<\/h2>\n
How to Get Good Debt Consolidation Advice for Free<\/h3>\n
How to Consolidate Debt Payments<\/h3>\n
Top 5 Reasons People are Declined for Debt Consolidation Loans<\/h3>\n