[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”rgba(0,0,0,0)” 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\/09\/financial-help-and-resources_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_center” background_position_phone=”center” 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=”||80px||false|false” custom_padding_tablet=”” custom_padding_phone=”” 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|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Coronavirus Financial Help & Resources<\/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
What you can do to get your finances through this crisis.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Reach Out” button_alignment=”center” disabled_on=”on|on|off” _builder_version=”4.16″ 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” _builder_version=”4.16″ 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||3px|||” custom_padding_tablet=”||50px||false|false” custom_padding_phone=”||45px||false|false” top_divider_style_last_edited=”off|desktop” 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=”70%” 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 _builder_version=”4.16″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n
If your finances have been impacted by the coronavirus (COVID-19) crisis, we’ve gathered key information below that may help you. We update this information regularly to keep it as up-to-date as possible. For more details on any relief measure mentioned below, please click on the appropriate link to learn more. We’re just providing a general overview of financial relief measures that are available.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.22.0″ _module_preset=”default” custom_padding=”109px||110px|||” top_divider_style=”ramp2″ top_divider_color=”#e7dff3″ bottom_divider_style=”curve2″ 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 _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” custom_margin=”||3px|||” custom_padding=”||0px|||” global_colors_info=”{}”]<\/p>\n
See if there’s any financial help available to you in the sections below.\u00a0If you’re struggling to pay your bills, contact your creditors as soon as possible. Whenever possible, reach out to all your creditors\u00a0before\u00a0you miss any payments. This includes credit cards, car loans, mortgages, lines of credit, etc. While it can be an uncomfortable phone call to make, they will appreciate you contacting them directly and making them aware of your situation. They may also be able to offer revised payment options during this time.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” disabled_on=”off|off|off” module_id=”pay-bills” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”15px|||||” 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\/09\/direct-contact_2colm.jpg” alt=”A man sits on his couch, browing resources related to financial assistance and debt relief. ” title_text=”direct-contact” 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|desktop” 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=”4.27.2″ min_height=”221px” animation_direction=”top” global_colors_info=”{}”]<\/p>\n Build and stick to an emergency budget. If you\u2019re unable to collect a paycheque or if you’re on EI, now is the time to pare down your expenses significantly. If you don\u2019t have a budget, consider putting one together as soon as possible.<\/p>\n We have a\u00a0downloadable budget calculator<\/a>\u00a0and a\u00a0printable budget template<\/a>\u00a0that you can use. The Government of Canada also has a good\u00a0online budget planner<\/a>.<\/p>\n Get help from an accredited credit counselling organization such as ours. Give us a call at\u00a01-888-787-6297<\/a>, or email us at\u00a0info@nomoredebts.org<\/a>. You can speak to a counsellor and find out how to improve your financial situation and build a budget that can help you get through this difficult situation.<\/p>\n Click on an icon below to jump to a specific COVID-19 financial help category.<\/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|desktop” admin_label=”Know your options (icon menu)” _builder_version=”4.16″ background_color=”#e4f8e0″ custom_margin=”||||false|false” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”55px||110px||false|false” custom_padding_tablet=”13px||54px||false|false” custom_padding_phone=”15px||57px||false|false” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” da_disable_devices=”off|off|off” collapsed=”on” 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 admin_label=”Heading” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”off|desktop” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Text” _builder_version=”4.16″ header_2_text_align=”center” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|desktop” admin_label=”Icon Menu – 3 of 5 icons” module_class=”three-columns” _builder_version=”4.16″ max_width=”810px” custom_padding_tablet=”” custom_padding_phone=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Federal Government Help” url=”#federal” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/government_purple_icon.png” alt=”Government Icon” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”#federal” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”96px” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/government_green_icon.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Provincial Help” url=”#provincial” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/provincial_help_icon_purple.png” alt=”Provincial Help Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”#provincial” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/provincial-help_icon_green.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Help for Specific Groups” url=”#groups” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/group-of-people_icon_purple.png” alt=”group of people icon purple” image_last_edited=”off|desktop” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”#groups” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/group-of-people_icon_green.png”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|desktop” admin_label=”Icon Menu – 3 of 5 icons” module_class=”three-columns” _builder_version=”4.16″ max_width=”810px” custom_padding_tablet=”” custom_padding_phone=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Emergency Reduced Income Webinar” url=”#webinar” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_purple.png” alt=”Webinar Icon” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”#webinar” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”96px” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_green.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Commercial Support Programs” url=”#commercial” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/commercial-support_icon_purple.png” alt=”Commercial Support Icon” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”#commercial” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/commercial-support_icon_green.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Additional Resources” url=”#other” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/financial-awareness_icon_purple.png” alt=”Financial Awareness Icon” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”#other” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/financial-awareness_icon_green.png”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”50px||50px||true|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_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Credit Counselling” _builder_version=”4.16″ background_color=”#e7dff3″ custom_padding=”70px||95px||false|false” custom_padding_tablet=”57px||56px||false|false” custom_padding_phone=”58px||57px||false|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” top_divider_flip=”horizontal|vertical” top_divider_arrangement=”above_content” bottom_divider_style=”wave2″ bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”on” 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 module_id=”federal” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ header_2_font=”||||||||” header_2_text_align=”left” header_2_font_size=”32px” header_2_line_height=”1.3em” module_alignment=”center” animation_direction=”top” global_colors_info=”{}”]<\/p>\n The federal and provincial governments are all working to try and assist Canadians. Many helpful financial measures have been introduced and more may be announced in the weeks to come. Most of the federal government’s new programs to help individuals can be\u00a0found here<\/a>, and below are some of the highlights.<\/p>\n Some of the relief measures include:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][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 _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion_item open=”on” _builder_version=”4.16″ _module_preset=”default” custom_css_main_element=”display: none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”Employment Insurance: Temporary Changes Due to COVID-19″ open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n From September 27, 2020 to September 27, 2021, the following changes to the\u00a0Employment Insurance (EI)<\/a>\u00a0program will be in effect:<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Canada Recovery Benefit (CRB)” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n If you have stopped working or had your income reduced by at least 50% and are not eligible for Employment Insurance (EI), the CRB program provides $500 per 1-week period ($450 after tax) for up to 26 weeks. You will need to reapply every 2 weeks to maintain eligibility.<\/p>\n Apply for the CRB\u00a0<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Canada Recovery Sickness Benefit (CRSB)” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n If you have been unable to work for at least 50% of the week because you’ve contracted COVID-19, are self-isolated due to a COVID-19 related reason, or have an underlying health condition that puts you at risk due to COVID-19, the CRSB program will provide $500 per 1-week period ($450 after tax) for up to 2 weeks. You will need to reapply after the first week to get the benefit for the second week.<\/p>\n Apply for\u00a0 the CRSB.\u00a0<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Canada Recovery Caregiving Benefit (CRCB)” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n If you are unable to work because you must care for your child under 12 years old or a family member who needs supervised care, the CRCB can provide $500 per 1-week period ($450 after tax) for up to 26 weeks. You will have to reapply every week to continue receiving the benefit.<\/p>\n Apply for the CRCB.\u00a0<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Taxes for Individuals” open_toggle_text_color=”#5b25af” _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]The CRA (Canada Revenue Agency) is open to granting relief from tax penalties and interest, providing flexible payment arrangements, and postponing collection activities on a case-by-case basis if someone has been impacted by COVID-19. They have also deferred the personal tax return filing date to June 1, 2020. However, if you expect to receive more from the GST credit or Canada Child Benefit for the 2020-2021 benefit year, delaying filing your tax return could delay your increased benefit payment. Some\u00a0more details are available here<\/a>.<\/p>\n As of July 27, 2020, the payment of any income tax that an individual\u00a0owes to the CRA between March 18, 2020 and August 31, 2020 can now be deferred until September 30, 2020 and no interest or penalties will accumulate on the amounts owed during this period of time.\u00a0More details here<\/a>.[\/et_pb_accordion_item][et_pb_accordion_item title=”Canada Emergency Response Benefit (CERB)” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n The CERB program ended on September 26, 2020. The CRA is continuing to accept and process retroactive applications for period 7 (August 30 – September 26, 2020).<\/strong><\/p>\n For those not covered by Employment Insurance, a new program called the\u00a0Canada Emergency Response Benefit (CERB)<\/a>\u00a0has been created.<\/p>\n [\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Enhancements have also been introduced to the\u00a0Work Sharing Program<\/a>\u00a0to help workers and employers impacted by the downturn in business due to the virus.<\/p>\n For more details on where to call for more information or ask a question about financial support from the government,\u00a0click here<\/a>.<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”50px||50px||true|” 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_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” admin_label=”Debt Consolidation” _builder_version=”4.16″ background_color=”#e4f8e0″ min_height=”380px” custom_margin=”0px||0px||false|false” custom_padding=”90px||160px||false|false” custom_padding_tablet=”55px||150px||false|false” custom_padding_phone=”||150px||false|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” top_divider_flip=”horizontal|vertical” top_divider_arrangement=”above_content” top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” animation_direction=”top” da_disable_devices=”off|off|off” saved_tabs=”all” 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 module_id=”provincial” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” custom_margin=”||1px|||” custom_padding=”||0px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n A lot of Canadian cities have announced that they are allowing the payment of property taxes and utilities to be deferred without penalty. The length of deferral varies by city, but they seem to range from 30 days up to 6 months. Check with your city or municipality to see what they can do if you could use this kind of help. Be aware, though, that deferring a payment means you will have to pay it later along with your normal payments.<\/span><\/p>\n To find out more about what kinds of support are available in your province, more details, contact phone numbers, and resources\u00a0are available here<\/a>. You can also find more information by clicking your province below.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”30px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion_item open=”on” _builder_version=”4.16″ _module_preset=”default” custom_css_main_element=”display:none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”British Columbia” open_toggle_text_color=”#5b25af” _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In British Columbia, the new\u00a0BC Emergency Benefit for Workers<\/a>\u00a0will provide a one-time, tax free $1,000 payment to BC residents whose ability to work has been affected by the outbreak. This benefit is for both EI eligible and non-eligible workers (such as the self-employed) who have been laid off, are sick or quarantined, are caring for sick family members, or are parents staying home to watch kids because schools and child care centres are closed.<\/p>\n 86% of residents will also receive extra money from the\u00a0increased and expanded BC Climate Action Tax Credit<\/a>\u00a0in July 2020. Eligible families of four will receive up to $564 and eligible individuals will receive an enhanced payment of up to $218.<\/p>\n BC residents receiving Income Assistance, Disability Assistance, Comfort\u00a0Allowance, and the BC Senior’s Supplement will also\u00a0automatically receive an extra $300\u00a0in April, May, and June if they are not receiving EI or the CERB.<\/p>\n See all BC financial support measures.<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Ontario” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In Ontario, a number of additional supports have been introduced.<\/p>\n See all Ontario support measures.\u00a0<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Alberta” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In Alberta,\u00a0the provincial government is providing a one-time payment\u00a0of $1,146 for working Albertans who must self-isolate and do not have another source of pay or compensation while they are in self-isolation. This payment is intended to bridge the gap until the federal emergency program payments begin.<\/p>\n See more COVID-19 info for Albertans.<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Saskatchewan” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n The Saskatchewan government has\u00a0announced a\u00a0Self-Isolation Support Program<\/a>\u00a0that will provide $450 per week to residents who need to leave work to self-isolate and are not covered by recently announced federal programs.<\/p>\n A temporary wage supplement is also available for essential workers who earn less than $2,500 per month and who work at senior-care facilities, childcare facilities, group homes, and certain shelters.\u00a0See more specific details here<\/a>.<\/p>\n See all support for workers in Saskatchewan.<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Quebec” open_toggle_text_color=”#5b25af” _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In Quebec, the provincial government has introduced a\u00a0<\/span>Temporary Aid for Works Program<\/a>. Through this program, any worker who is sick with COVID-19 or is self-quarantining and is not covered by any other program can receive $573 per week for two weeks. If health problems persist, this coverage can be extended for up to 28 days.<\/span><\/p>\n See all financial assistance programs in Quebec.<\/span><\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”New Brunswick” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In New Brunswick,\u00a0a one-time payment of $900 is being offered<\/a>\u00a0through the Red Cross to workers who have recently become unemployed due to COVID-19. These funds are intended to bridge the gap until federal benefits take effect.<\/p>\n A $400 benefit is also being offered<\/a>\u00a0for low income seniors.\u00a0The government of New Brunswick is furthermore covering the child care fees for\u00a0anyone who lost their income due to COVID-19. They are\u00a0covering any “double fees” for the child care of essential workers<\/a>. Patients with drug coverage under the province’s public drug plan will\u00a0only have to pay for the initial co-payment<\/a>\u00a0on a prescription being filled or refilled.<\/p>\n See more information on COVID-19 support in New Brunswick.<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Nova Scotia” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In Nova Scotia, every individual and family member\u00a0on income assistance will receive an additional $50<\/a>. No application is necessary.<\/p>\n See all financial help for COVID-19 in Nova Scotia.<\/a><\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”PEI” open_toggle_text_color=”#5b25af” _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]In PEI, for anyone who has lost their primary source of income,\u00a0a one-time payment of $750 is available. A\u00a0temporary allowance of $200 per week<\/a>\u00a0is available for anyone who has experienced a significant drop in their working hours. PEI has income support programs available for the\u00a0self-employed<\/a>\u00a0and\u00a0workers with reduced hours<\/a>\u00a0until federal benefit programs begin as well. They also provide\u00a0$100 grocery gift cards to anyone laid off<\/a>.<\/p>\n See all COVID-19 supports and services in PEI.<\/a>[\/et_pb_accordion_item][et_pb_accordion_item title=”Yukon” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n In the Yukon, the government has a\u00a0Paid Sick Leave Rebate program for employers<\/a>. It will reimburse employers if they pay their employees to take sick days and self-isolate.<\/p>\n See all COVID-19 economic and social supports in Yukon.<\/a><\/p>\n [\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”White Spacer Section” _builder_version=”4.16″ background_color=”#ffffff” width_last_edited=”off|desktop” min_height_last_edited=”off|phone” height_tablet=”” height_phone=”20px” height_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”5px||5px||true|false” custom_padding_phone=”5px||5px||true|false” da_disable_devices=”off|off|off” saved_tabs=”all” 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_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” admin_label=”Insolvency” _builder_version=”4.16″ background_color=”#e7dff3″ custom_padding=”135px||110px||false|false” custom_padding_tablet=”56px||100px||false|false” custom_padding_phone=”||98px||false|false” top_divider_style=”wave2″ top_divider_color=”#ffffff” top_divider_flip=”horizontal|vertical” top_divider_arrangement=”above_content” top_divider_height_tablet=”60px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_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 module_id=”groups” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Additional COVID-19 support has been provided to specific groups of people who have been especially impacted financially. Click on the group or groups that are relevant to you for details about what’s available and how to access it.\u00a0<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][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 _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion_item open=”on” _builder_version=”4.16″ _module_preset=”default” custom_css_main_element=”display:none;” global_colors_info=”{}”][\/et_pb_accordion_item][et_pb_accordion_item title=”Low to Modest Income Families” open_toggle_text_color=”#5b25af” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n The federal government provided\u00a0a one-time special payment for low to modest income families through the Goods and Services Tax credit<\/a>. These payments went out in April.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Families With Children” open_toggle_text_color=”#5b25af” _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]For families with children, the government increased the Canada Child Benefit with a one-time $300 payment per child in May.\u00a0Details here<\/a>.[\/et_pb_accordion_item][et_pb_accordion_item title=”Seniors” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Students and New Graduates” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n The\u00a0Canada Emergency Student Benefit<\/a>\u00a0has been proposed for students and new graduates who don’t qualify for the Canada Emergency Response Benefit (CERB). This benefit would pay $1,250 per month for individuals or $1,750 per month for students with dependents or disabilities. This benefit would be offered from May to August 2020.<\/p>\n The\u00a0Canada Student Service Grant<\/a>\u00a0is intended to help students gain work experience and skills while helping their communities during the pandemic. For students who choose to do national service and serve their communities, the new Canada Student Service Grant supposed to provide up to $5,000 for their education in the fall.<\/p>\n Other federal government announcements aimed at helping students\u00a0can be seen here<\/a>.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Student Loans” open_toggle_text_color=”#5b25af” _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Renters” open_toggle_text_color=”#5b25af” _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}” open=”off”]BC<\/a>,\u00a0Alberta<\/a>,\u00a0Saskatchewan<\/a>,\u00a0Manitoba<\/a>,\u00a0Quebec<\/a>,\u00a0New Brunswick<\/a>,\u00a0Nova Scotia<\/a>,\u00a0Prince Edward Island<\/a>,\u00a0Yukon<\/a>, and the\u00a0Northwest Territories<\/a>\u00a0have all halted rental evictions for the time-being. BC, Alberta, and Manitoba have also frozen all rent increases at this time.<\/p>\n In BC, for renters who cannot afford their rent, the government will pay $500 per month directly to their landlord if they are approved for this subsidy.\u00a0More details<\/a><\/p>\n In Prince Edward Island, a\u00a0Temporary Rental Assistance Benefit<\/a>\u00a0of $1,000 per household is available to help cover the cost of rent for a three month period.<\/p>\n If you’re having trouble keeping up with your rent,\u00a0here are resources that may be of some help to you in your province<\/a>.[\/et_pb_accordion_item][et_pb_accordion_item title=”Hospitality Workers” open_toggle_text_color=”#5b25af” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” toggle_level=”h2″ toggle_font_size=”16px” open=”off”]<\/p>\n A\u00a0Canadian Hospitality Worker Relief Fund<\/a>\u00a0has been established to provide a one-time grant of $500 to eligible hospitality workers (for groceries, rent, bills, etc.) on a first-come, first served basis. Applications open on May 6.\u00a0<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=”Persons With Disabilities” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n If you have a valid Disability Tax Credit (DTC) certificate or have applied for one by September 25, 2020, you may automatically receive up to $600 as a one-time, tax-free, non-reportable payment.\u00a0<\/p>\n Learn more about this one-time payment.<\/a><\/p>\n [\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”White Spacer Section” _builder_version=”4.16″ background_color=”#ffffff” width_last_edited=”off|desktop” min_height_last_edited=”off|phone” height_tablet=”” height_phone=”20px” height_last_edited=”on|phone” custom_padding=”60px||60px||true|false” custom_padding_tablet=”5px||5px||true|false” custom_padding_phone=”5px||5px||true|false” da_disable_devices=”off|off|off” saved_tabs=”all” 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_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_margin=”0px||||false|false” custom_margin_tablet=”100px||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”110px||102px||false|false” top_divider_style=”curve2″ bottom_divider_style=”curve2″ bottom_divider_color=”#ffffff” 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 module_id=”webinar” _builder_version=”4.16″ _module_preset=”default” custom_padding=”19px||19px||true|” 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 [\/et_pb_text][\/et_pb_column][\/et_pb_row][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” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https:\/\/vimeo.com\/400719584″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_video][\/et_pb_column][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″ custom_padding=”1px|||||” global_colors_info=”{}”]<\/p>\n Have you or your family been impacted financially by COVID-19? Are you worried that your income may be impacted in the near future? Worrying about our health along with our finances can be scary, stressful, and can create a lot of stress on us and our families. Join us for a practical webinar on how to plan for reduced income, deal with your bills as well as your creditors. You are not alone and we are here to help you!<\/p>\n You can watch the webinar video here, or you can register to attend a live version and ask any questions you may have.<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/mymoneycoach.ca\/financial-literacy\/credit-budgeting-workshop-webinars\/webinar-schedule” url_new_window=”on” button_text=”Register for a Webinar” button_alignment=”center” _builder_version=”4.17.3″ _module_preset=”default” custom_button=”on” button_bg_color=”#2AD13D” 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(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”White Spacer Section” _builder_version=”4.16″ background_color=”#ffffff” width_last_edited=”off|desktop” min_height_last_edited=”off|phone” height_tablet=”” height_phone=”20px” height_last_edited=”on|phone” custom_padding=”50px||50px||true|false” custom_padding_tablet=”5px||5px||true|false” custom_padding_phone=”5px||5px||true|false” da_disable_devices=”off|off|off” saved_tabs=”all” collapsed=”on” 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_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” admin_label=”Dealing with creditors” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” min_height=”380px” custom_margin=”0px||0px||false|false” custom_padding=”130px||149px||false|false” custom_padding_tablet=”60px||62px||false|false” custom_padding_phone=”59px||59px||false|false” top_divider_style=”wave2″ top_divider_color=”#ffffff” top_divider_flip=”horizontal|vertical” top_divider_arrangement=”above_content” top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” animation_direction=”top” da_disable_devices=”off|off|off” saved_tabs=”all” 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 module_id=”commercial” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” custom_padding=”||1px|||” global_colors_info=”{}”]<\/p>\n Communications companies such as\u00a0Bell<\/a>,\u00a0Rogers<\/a>,\u00a0Shaw<\/a>, Videotron<\/a>, and\u00a0Cogeco<\/a>\u00a0have announced measures to help their customers through this crisis. Announcements include extra leniency and flexibility for customers facing financial challenges along with some waiving internet overage, long distance, or roaming fees. Check with your provider to see what they are offering and how they can help you.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” disabled_on=”off|off|off” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px|||||” 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=”4.22.0″ custom_padding=”15px|||||” global_colors_info=”{}”]Many utility companies are also announcing assistance plans or flexible repayment arrangements to help their customers who are experiencing financial difficulties. Check with your utility companies to see what kind of relief or assistance they are offering. If you live in BC and are eligible,\u00a0BC Hydro is offering a 3 month credit<\/a>. In Manitoba, Centra Gas, Manitoba Hydro, and Manitoba Public Insurance are\u00a0not charging interest or penalties<\/a>\u00a0if someone is unable to pay at this time.<\/p>\n In BC, ICBC customers on a monthly Autoplan payment plan who are up to date on their payments, can defer one payment for up to 90 days<\/a>\u00a0with no penalty.<\/p>\n Manitoba Public Insurance will be\u00a0issuing rebate cheques in the mail<\/a>\u00a0by the end of May or early June. Cheques could average $140 to $160. Claims are down substantially during this time of self-isolation. So the public insurer is refunding some of peoples’ premiums.[\/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\/financial-and-debt-help-and-support_2colm.jpg” alt=”A woman uses her phone to browse information related to financial assitance from Communication and Utility companies. ” title_text=”financial-and-debt-help-and-support” 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=”50px||5px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||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″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” 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_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”Insolvency” _builder_version=”4.16″ background_color=”rgba(42,209,61,0.15)” custom_padding=”160px||100px||false|false” custom_padding_tablet=”80px||50px||false|false” custom_padding_phone=”||56px||false|false” top_divider_style=”wave2″ top_divider_color=”#ffffff” top_divider_flip=”horizontal|vertical” top_divider_arrangement=”above_content” top_divider_height_tablet=”60px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_color=”#ffffff” bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”on” 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 module_id=”other” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px|||” 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 don’t have a credit card and are finding that stores won’t accept cash right now, there are a couple of ways you can potentially work around this:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][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|tablet” custom_margin=”-17px|auto||auto||” custom_padding=”0px|||||” 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\/09\/link-bank-account-to-google-pay-apple-pay-or-samsung-pay_2colm.jpg” alt=”A person’s hands paying bills. One hand uses a calculator while the other rests on a sheet of financial data. ” title_text=”link-bank-account-to-google-pay-apple-pay-or-samsung-pay” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ custom_padding_tablet=”49px||50px||false|false” custom_padding_phone=”50px||50px||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″ min_height=”221px” animation_direction=”top” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#e7dff3″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”75px||75px||true|” 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_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”50px||0px||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=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”||13px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”24px|||||” global_colors_info=”{}”]<\/p>\n As we\u2019re all being continually bombarded with new information about the unfolding COVID-19 coronavirus crisis, fraudsters are taking advantage of the situation and are preying on people\u2019s fears, uncertainty, and misinformation.<\/p>\n If you are victim of any COVID-19 related scams, be sure to report it to the Canadian Anti-Fraud Centre. This information could prevent someone else from being a victim of fraud and helps identify new types of COVID-19 related scams.<\/span><\/p>\n The\u00a0<\/span>Government of Canada has published a list of scams and misleading information to watch out for<\/a>. Check it out and let others know who might be considering one of these.<\/p>\n Here are the most common COVID-19 scams:<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _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\/beware-and-watch-out-for-scam_2colm.jpg” alt=”Beware And Watch Out For Scam” title_text=”beware-and-watch-out-for-scam” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”50px||50px||false|false” custom_margin_phone=”||50px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||0px||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_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\nCOVID-19 Debt Relief & Financial Help\u00a0<\/h2>\n
Government Financial Assitance<\/h2>\n
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Financial Help from Specific Provinces and Territories<\/h2>\n
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Financial Help for Specific Groups<\/h2>\n
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Planning for Emergency Reduced Income Webinar
(Online Workshop)<\/span><\/h2>\nFinancial Help and Debt Relief from Communication & Utility Companies<\/h2>\n
Additional Financial Resources\u00a0
How to Buy Groceries If Stores Don’t Accept Cash & You Don’t Have a Credit Card<\/span><\/h2>\n\n
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COVID-19 Scams to Watch Out For<\/h3>\n
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