{"id":11989,"date":"2020-08-25T16:03:54","date_gmt":"2020-08-25T16:03:54","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=11989"},"modified":"2025-01-10T02:18:19","modified_gmt":"2025-01-10T10:18:19","slug":"how-to-get-credit-card-debt-relief","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/how-to-get-credit-card-debt-relief","title":{"rendered":"How to Get Credit Card Debt Relief in Canada | Programs &#038; Options"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/helping-hand-relief_hero.jpg&#8221; min_height=&#8221;550px&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|phone&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;top_right&#8221; background_position_phone=&#8221;center_right&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; custom_padding=&#8221;0px|||||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Ways to Get Credit Card Debt Relief<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Find out how to negotiate credit card debt relief for yourself or have a professional do it for you in one of several ways.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;tel:1-888-527-8999&#8243; button_text=&#8221;1-888-527-8999&#8243; button_alignment=&#8221;center&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Intro Paragraph&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px||0px|||&#8221; custom_padding_tablet=&#8221;||50px||false|false&#8221; custom_padding_phone=&#8221;||45px||false|false&#8221; top_divider_style_last_edited=&#8221;off|desktop&#8221; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_repeat=&#8221;1x&#8221; bottom_divider_flip=&#8221;horizontal|vertical&#8221; bottom_divider_style_tablet=&#8221;&#8221; bottom_divider_style_phone=&#8221;&#8221; bottom_divider_style_last_edited=&#8221;on|phone&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;100px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_flip_tablet=&#8221;&#8221; bottom_divider_flip_phone=&#8221;horizontal&#8221; bottom_divider_flip_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_dmb_breadcrumbs font_icon=&#8221;%%20%%&#8221; use_home_icon=&#8221;off&#8221; use_home_text=&#8221;on&#8221; show_custom_taxonomy_crumbs=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; body_text_color=&#8221;rgba(102,102,102,0.8)&#8221; link_text_color=&#8221;rgba(42,209,61,0.8)&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; global_module=&#8221;6437&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;rgba(90,39,178,0.4)&#8221;][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=&#8221;H1 Heading&#8221; _builder_version=&#8221;4.27.2&#8243; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||2px|||&#8221; animation_direction=&#8221;bottom&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1>Credit Card Debt Forgiveness in Canada \u2013 Find Relief Now<\/h1>\n<p>If you&#8217;ve been using your credit cards as a financial lifeline, it\u2019s now catching up with you and you want to know <strong>how to get credit card <a href=\"https:\/\/nomoredebts.org\/debt-relief-canada\">debt relief<\/a><\/strong>, here are Canadian options, plans, programs, solutions, and advice &#8211; in short, straight answers.<\/p>\n<p>When your credit card debt is so high that it doesn\u2019t feel like the minimum payments actually pay anything down, taking steps to get relief from your credit card debt will ease your money worries. With the right help and advice, you should be able to put together a plan to get your finances back on track and get out of debt.<\/p>\n<p>Depending on your situation, you may be able to negotiate a better interest rate for yourself, but you may also need <a href=\"https:\/\/mymoneycoach.ca\/budgeting\/loans-debt-credit\/get-debt-help#credit-card-debt-relief-canada\" target=\"_blank\" rel=\"noopener noreferrer\">someone to negotiate relief from credit card debt<\/a> for you. Here\u2019s how to do both.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||-90px||false|false&#8221; custom_margin_phone=&#8221;||-70px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;135px||13px|||&#8221; custom_padding_tablet=&#8221;135px||||false|false&#8221; custom_padding_phone=&#8221;155px||||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#e7dff3&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;167px&#8221; custom_margin=&#8221;|auto|-46px|auto||&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;||0px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Negotiate Credit Card Debt Relief Yourself<\/h2>\n<p>Negotiating credit card <a href=\"https:\/\/nomoredebts.org\/debt-relief-canada\" target=\"_blank\" rel=\"noopener\">debt relief<\/a> means asking your credit card companies to lower the interest rates they are charging you. If you&#8217;re carrying a balance, a lower interest rate means paying less interest. This means that with every payment you make, more of your balance gets paid off rather than being gobbled up by interest charges.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;pay-bills&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;22px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/making-a-phone-call-to-a-credit-card-company_2colm.jpg&#8221; alt=&#8221;A woman negotiates her credit card debt over the phone &#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_margin_tablet=&#8221;-40px||||false|false&#8221; custom_margin_phone=&#8221;-32px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||1px|||&#8221; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<p>The best time to negotiate the interest rates on your credit cards is when you have low balances and you\u2019re still up to date with your payments.\u00a0<\/p>\n<p>If you want to know the best way to call up your credit card company and ask them to lower your rate, <a href=\"https:\/\/www.squawkfox.com\/negotiate-credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\">Squawkfox.com has some great step by step instructions<\/a>. They even give you a script to use when talking to your credit card company. Try it! You\u2019ve got nothing to lose.<\/p>\n<p>If you have high balances or are behind on your payments, getting an agency to negotiate debt relief might be the best option.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e4f8e0&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_margin_tablet=&#8221;100px||0px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;140px||0px||false|false&#8221; top_divider_style=&#8221;curve2&#8243; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e4f8e0&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;1px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Get an Agency to Negotiate Debt Relief for You<\/h2>\n<p>When your credit card debt has gotten to a point where you can\u2019t keep up with your minimum payments, it\u2019s time to get help. The sooner you get help, the more options you\u2019ll have. Regardless of which option is right for you, it\u2019s important to seek credit card debt assistance from a reputable agency. Any agency will still have to work with your creditors, so the sooner you get them on board, the more likely it will be that they can find the least painful solution for you.<\/p>\n<p>Below is an overview of the types of debt help you can get from different agencies (you can also <a href=\"https:\/\/nomoredebts.org\/debt-help\" target=\"_blank\" rel=\"noopener noreferrer\">see a comparison chart here<\/a>).<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#e4f8e0&#8243; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;CTA &#8211; You&#8217;re not alone&#8221; _builder_version=&#8221;4.16&#8243; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/couple-discussing-bills-purple-trp-2.jpg&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;347px||1px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_style_last_edited=&#8221;off|tablet&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;70px&#8221; bottom_divider_height_last_edited=&#8221;on|tablet&#8221; scroll_blur=&#8221;0|40|60|100|100px|0px|0px&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row admin_label=&#8221;CTA Components&#8221; module_id=&#8221;option-one-chat&#8221; _builder_version=&#8221;4.25.0&#8243; background_enable_color=&#8221;off&#8221; z_index=&#8221;0&#8243; width=&#8221;60%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; min_height=&#8221;500px&#8221; min_height_phone=&#8221;auto&#8221; min_height_last_edited=&#8221;off|phone&#8221; custom_margin=&#8221;-6px|auto|-140px|auto|false|false&#8221; custom_margin_tablet=&#8221;||-170px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||0px|||&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Header Line 1&#8243; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.7)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Having trouble with your debts?<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Header Line 2&#8243; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; 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_module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;-69px||40px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Common Credit Card Debt Relief Options for Canadians\u00a0<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;-17px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Debt Management Program or Debt Repayment Plan<\/h3>\n<p><em> Consolidated Payment with Low or No Interest<\/em><\/p>\n<p>A <strong>Debt Management Program (DMP)<\/strong> is when you get help from a credit counselling organization to consolidate your unsecured debts into one manageable payment. Some people also call it a debt repayment plan. This type of consolidation works with your budget so that you don\u2019t have to borrow more money to try to get yourself out of debt.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; module_id=&#8221;get-secured-card&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/comparing-suitable-options_2colm.jpg&#8221; alt=&#8221;A couple speaks with a credit counsellor about a debt management plan &#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height_last_edited=&#8221;off|tablet&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;||25px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;5px||5px||true|false&#8221; custom_padding_phone=&#8221;5px||35px||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-size: 16px;\">As part of this program, a credit counsellor works with you to help you establish a <\/span><a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"font-size: 16px;\">realistic budget<\/a><span style=\"font-size: 16px;\">. Based on your budget, they help you figure out a realistic monthly payment that you can afford to pay on your debts.<\/span><\/p>\n<p>With your permission, the credit counselling agency then approaches all your creditors and negotiates for all your debts to be included on the DMP at a payment you can afford and with all the interest rates either eliminated or substantially reduced. All of your debts are then paid off within 5 years (the average program is paid off in less than 3 years).<\/p>\n<p>To find out if a DMP is right for your situation, you can <a href=\"\/contact-us#options\" target=\"_blank\" rel=\"noopener noreferrer\">make a free appointment to speak with one of our certified credit counsellors<\/a>. They will put together a budget for you, assess your financial situation, and see if a DMP would be the right fit.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Section&#8221; module_id=&#8221;orderly-payment-of-debts&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;130px|||||&#8221; top_divider_style=&#8221;wave2&#8243; da_popup_slug=&#8221;orderly-payment-of-debts&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px|auto||auto||&#8221; custom_padding=&#8221;0px||3px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Orderly Payment of Debts Program<\/h3>\n<p><em> Consolidated Payment at 5% Interest<\/em><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you&#8217;re a resident of Alberta or Nova Scotia, you may qualify to enter into a legal consolidation order known as an Orderly Payment of Debt program (OPD). This program is legislated under the federal <em>Bankruptcy &amp; Insolvency Act<\/em>. Other provinces used to offer the program, but have stopped offering it after recognizing the exemplary work non-profits have been doing in helping consumers through their credit counselling and debt management programs. <\/p>\n<p>Through an OPD program, you pay back the full amount that you owe on your unsecured debts within 5 years. The interest rate is set at 5% and you are able to keep your assets. Your creditors must agree to your OPD program, and the courts must approve it.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/contacting-about-a-program_2colm.jpg&#8221; alt=&#8221;A woman drinks coffee and discusses an orderly payment of debt program over the phone.&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px|auto||auto||&#8221; custom_padding=&#8221;0px||3px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px|-5px|false|false&#8221; custom_padding=&#8221;12px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u00a0<span style=\"font-size: 16px;\">To find out if OPD is a good solution for you, contact the agency that administers your province&#8217;s OPD program.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#e7dff3&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;130px||50px|||&#8221; top_divider_style=&#8221;wave2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||15px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Debt Settlement Program<\/h3>\n<p><em> Repaying Only a Portion of What You Owe<\/em><\/p>\n<p>A debt settlement, when done properly, is an effective tool for achieving debt relief. You offer your unsecured creditors a lump sum of money in exchange for them writing off, or eliminating, the rest of what you owe on a debt. If you\u2019re not able to pay back the full amount that you owe, but you have access to a large sum of money that would pay back part of what you owe (often obtained from selling assets or borrowing from a friend or relative), then this could work for you. To find out if making a debt settlement offer to your creditors is a good option for you, <a href=\"\/contact-us#options\" target=\"_blank\" rel=\"noopener noreferrer\">speak with one of our debt settlement specialists or certified credit counsellors<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; module_id=&#8221;get-secured-card&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px|||||&#8221; custom_padding_tablet=&#8221;5px||||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/making-a-call-about-an-agency_2colm.jpg&#8221; alt=&#8221;A woman checks her phone after researching debt settlement programs. &#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height_last_edited=&#8221;off|tablet&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;||25px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|||||&#8221; custom_padding_tablet=&#8221;5px||5px||true|false&#8221; custom_padding_phone=&#8221;10px||35px||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>There are some huge differences in fee structures and how some debt settlement programs work. Before you choose to work with a debt settlement agency, verify that they are licensed by the consumer protection authority in your province, that they are accredited by and are in good standing with the <a href=\"https:\/\/www.bbb.org\/canada\/consumers\/\" target=\"_blank\" rel=\"noopener noreferrer\">Better Business Bureau<\/a> &#8211; with hardly any complaints &#8211; and that they will only charge you for a settlement after they have successfully negotiated a settlement.<\/p>\n<p>However, just because a company appears to have an A+ rating with the Better Business Bureau doesn&#8217;t always mean that everything is okay. That rating may only be based on a short period of time (a year or two).<\/p>\n<p>Call the Better Business Bureau and ask about an agency that you are thinking of working with and make sure that the Better Business Bureau is comfortable with them.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e4f8e0&#8243; custom_padding=&#8221;130px||120px|||&#8221; top_divider_style=&#8221;wave2&#8243; bottom_divider_style=&#8221;ramp2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||13px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Debt Relief Options for Insolvency<\/h2>\n<p>Depending on your circumstances and the types of debts you have, you may need legal help to <a href=\"https:\/\/nomoredebts.org\" target=\"_blank\" rel=\"noopener noreferrer\">resolve your debt problems<\/a>. Two options are available to all Canadians, a Consumer Proposal and Bankruptcy.<\/p>\n<p>[\/et_pb_text][et_pb_accordion open_toggle_background_color=&#8221;#E4F8E0&#8243; closed_toggle_background_color=&#8221;#d1f7ca&#8221; icon_color=&#8221;#95d893&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;on&#8221;][\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Consumer Proposal&#8221; open=&#8221;off&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Once it is agreed to, a consumer proposal is a legal agreement between you and your creditors to settle your debts. The process in Canada is governed by the Bankruptcy &amp; Insolvency Act and allows you to repay a portion of your unsecured debts over a period of no more than 5 years.<\/p>\n<p>A lot of debt relief companies and agencies have heavily advertised and over promoted the benefits of <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal\/consumer-proposal-vs-bankruptcy\" target=\"_blank\" rel=\"noopener noreferrer\">consumer proposals vs bankruptcy; you can learn more about the differences between the two here<\/a>.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Bankruptcy&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p>Bankruptcy is a legal process that someone can enter into when they are not able to pay their debts, and they do not have any assets they can sell to pay their creditors. Someone in this position is said to be <em>insolvent<\/em>. The legal process for bankruptcy in Canada is governed by the <em>Bankruptcy &amp; Insolvency Act<\/em>.<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Declaring Bankruptcy or filing a Consumer Proposal does not always provide debt relief from all of your debts. Before you choose an extreme solution to deal with your debts, make sure that you have considered all of your options. Even if you think that you are completely insolvent, you should look at alternatives to bankruptcy first to make sure that you have considered all of your options. <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-management-program\/how-debt-management-programs-services-work\" target=\"_blank\" rel=\"noopener noreferrer\">A certified credit counsellor can help you do this.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Testimonial &#8211; Yasmine&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||55px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;140px||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|auto||auto|false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;0px||0px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|0px|0px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; 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custom_padding_phone=&#8221;40px|60px|0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; filter_opacity=&#8221;30%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text content_tablet=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#5b25af&#8221; header_font_size=&#8221;42px&#8221; header_line_height=&#8221;1.3em&#8221; header_2_font=&#8221;Work Sans|600|||||||&#8221; header_2_text_color=&#8221;#5b25af&#8221; header_2_font_size=&#8221;42px&#8221; width=&#8221;94%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;|0px|0px|0px|false|true&#8221; custom_padding=&#8221;|0px||89px|true|false&#8221; custom_padding_tablet=&#8221;|||51px|true|false&#8221; custom_padding_phone=&#8221;|||38px|true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;font-weight: 600;||    font-size: 42px;||    color: #2b2b2b!important;||    line-height: 1.3em;||    text-align: left;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>It\u2019s OK to ask for help with debt<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph&#8221; _builder_version=&#8221;4.16&#8243; transform_translate_linked=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;15px|0px|0px|0px|false|true&#8221; custom_padding=&#8221;0px|89px|0px|89px|true|true&#8221; custom_padding_tablet=&#8221;|0px||51px|true|false&#8221; custom_padding_phone=&#8221;|40px||40px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Life just happened. My debt got to the point where I started to feel like I was drowning. I didn\u2019t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay \u2013 a lot of work \u2013 but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.<\/p>\n<p><strong>Yasmine<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;CTA &#8211; Back on track&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(0,0,0,0)&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_320755361_extra-scaled.jpg&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; transform_translate_linked=&#8221;off&#8221; z_index=&#8221;0&#8243; max_width=&#8221;100%&#8221; custom_padding=&#8221;250px||250px||true|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_height=&#8221;130px&#8221; top_divider_arrangement=&#8221;above_content&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_height=&#8221;140px&#8221; 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transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; text_text_shadow_style=&#8221;preset1&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>How to Get Credit Card Debt Relief &amp; Help from a Trusted Debt Relief Agency<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph Message&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;17px&#8221; text_line_height=&#8221;1.4em&#8221; header_font=&#8221;||||||||&#8221; 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max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-11px||40px|||&#8221; animation_direction=&#8221;bottom&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; text_text_shadow_style=&#8221;preset1&#8243; text_text_shadow_color=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you need help finding the right credit card debt relief option for your situation, feel free to contact us and speak confidentially with one of our qualified credit counsellors. Our appointments are always free and do not &#8211; in any way &#8211; obligate you to use our services to solve your debt problems. A counsellor can review your entire financial situation in a non-judgmental fashion, and help you understand what options are available to you. Feel free to speak with us today. 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header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Topics<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;70%&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/blog\/debt-settlement\/how-does-credit-card-settlement-affect-your-credit-score&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/get-a-good-credit-score_related_topics.jpg&#8221; alt=&#8221;Get A Good Credit Score&#8221; title_text=&#8221;settled-debts-and-credit&#8221; _builder_version=&#8221;4.22.0&#8243; border_radii=&#8221;off|8px|8px||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Settled Debts &#038; Credit<\/h3>\n<p>Settling your credit card debt will impact your credit rating more than you might think. Here&#8217;s why.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/blog\/credit-cards\/how-credit-card-cash-advances-work-what-to-do-instead&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/withdrawing-cash-at-an-atm_related_topics.jpg&#8221; alt=&#8221;Withdrawing Cash At An Atm&#8221; title_text=&#8221;cash-advances&#8221; _builder_version=&#8221;4.22.0&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Cash Advances<\/h3>\n<p>Cash advances on your credit card are extremely costly. Here&#8217;s what to do instead.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/credit-counselling&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg&#8221; alt=&#8221;signing agreement with advisor&#8221; title_text=&#8221;credit-counselling&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Credit Counselling<\/h3>\n<p>Are you curious about what credit counselling is or how it works? Here&#8217;s what you need to know.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<!-- Link Swiper's CSS --><!-- [et_pb_line_break_holder] --><link rel=\"stylesheet\" href=\"https:\/\/unpkg.com\/swiper\/css\/swiper.min.css\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- Demo styles --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->    .swiper-container {<!-- [et_pb_line_break_holder] -->      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href=\"\/blog\/debt-settlement\/how-does-credit-card-settlement-affect-your-credit-score\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/settled-debts-and-credit_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/blog\/credit-cards\/how-credit-card-cash-advances-work-what-to-do-instead\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/cash-advances_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/credit-counselling\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/06\/credit-counselling_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- Spacer --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-spacer\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- Add Pagination --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"swiper-pagination\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper JS --><!-- [et_pb_line_break_holder] -->  <script src=\"https:\/\/unpkg.com\/swiper\/js\/swiper.min.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Initialize Swiper --><!-- [et_pb_line_break_holder] -->  <script><!-- [et_pb_line_break_holder] -->    var swiper = new Swiper('.swiper-container', {<!-- [et_pb_line_break_holder] -->      pagination: {<!-- [et_pb_line_break_holder] -->        el: '.swiper-pagination',<!-- [et_pb_line_break_holder] -->      },<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->  <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;response-div&#8221; _builder_version=&#8221;4.14.7&#8243; 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-->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->      padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-4:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-5 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->padding-right: 5px;<!-- [et_pb_line_break_holder] -->      opacity: 60%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-5:hover {<!-- [et_pb_line_break_holder] -->      opacity: 80%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #question {<!-- 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