{"id":14851,"date":"2020-12-11T04:57:00","date_gmt":"2020-12-11T04:57:00","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=14851"},"modified":"2025-06-25T08:28:09","modified_gmt":"2025-06-25T15:28:09","slug":"calgary","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/canada-credit-counselling\/alberta\/calgary","title":{"rendered":"Calgary Non-Profit, Credit &#038; Debt Counselling Services | Alberta"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#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; 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background_position_phone=&#8221;top_center&#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; animation_direction=&#8221;top&#8221; animation_duration_tablet=&#8221;&#8221; animation_duration_phone=&#8221;0ms&#8221; animation_duration_last_edited=&#8221;on|phone&#8221; animation_intensity_slide_tablet=&#8221;&#8221; animation_intensity_slide_phone=&#8221;0%&#8221; animation_intensity_slide_last_edited=&#8221;on|phone&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Calgary Credit Counselling<\/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;1.2em&#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; animation_duration_tablet=&#8221;&#8221; animation_duration_phone=&#8221;0ms&#8221; animation_duration_last_edited=&#8221;on|phone&#8221; animation_intensity_slide_tablet=&#8221;&#8221; animation_intensity_slide_phone=&#8221;0%&#8221; animation_intensity_slide_last_edited=&#8221;on|desktop&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We offer confidential, non-judgmental, free credit counselling to help you solve your financial challenges.<\/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; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#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 _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#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;4.20.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Free Debt &amp; Credit Counselling &#8211; Calgary<\/h1>\n<p><b>Credit Counselling Calgary<\/b> \u2013 Struggling to make your minimum payments? Are debt problems affecting your sleep, health, or relationships? We can help put an end to your stress. We serve all of Calgary and surrounding areas.<\/p>\n<h2>Canada\u2019s Leading Provider of Non Profit Consumer Credit Counselling &amp; Debt Solutions Services<\/h2>\n<p>We are a <b>non-profit consumer credit and debt counselling service<\/b> providing debt solutions and help in Calgary. Our highly trained and professionally accredited counsellors can help you explore all of your options and find the best solution. We can help you:<\/p>\n<ul>\n<li>Get your finances back on track and create a budget to manage your expenses<\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-consolidation-canada\/alberta\/calgary\">Consolidate your debts in Calgary<\/a> into one affordable payment<\/li>\n<li>Stop creditor collection calls<\/li>\n<li>Save many thousands of dollars in interest<\/li>\n<\/ul>\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|tablet&#8221; admin_label=&#8221;Self Assessment Tool Section&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#5B25AF&#8221; custom_margin=&#8221;-100px||||false|false&#8221; custom_margin_tablet=&#8221;-50px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;160px||||false|false&#8221; custom_padding_tablet=&#8221;100px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#FFFFFF&#8221; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_tablet=&#8221;150px&#8221; top_divider_height_phone=&#8221;100px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_module=&#8221;50388&#8243; saved_tabs=&#8221;all&#8221; locked=&#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; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#8221; custom_padding=&#8221;150px||2px|||&#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;4.19.5&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.1em&#8221; header_2_font_size=&#8221;38px&#8221; header_2_line_height=&#8221;0.9em&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; header_2_font_size_tablet=&#8221;35px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 id=\"top-h2\">Find Out Exactly How We Can Help<br \/><span style=\"font-size: 70%; color:#bca7df;\">by Answering 4 Simple Questions<\/span><\/h2>\n<p>Not sure where to start in finding help for your specific financial situation? 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200px;<!-- [et_pb_line_break_holder] -->    padding: 9px 15px;<!-- [et_pb_line_break_holder] -->    border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .error-message {<!-- [et_pb_line_break_holder] -->    color: red;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->        <!-- [et_pb_line_break_holder] -->    .error-message-section {<!-- [et_pb_line_break_holder] -->    padding-bottom: 20px;<!-- [et_pb_line_break_holder] -->    margin: auto;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->        <!-- [et_pb_line_break_holder] -->    #hidden-form {<!-- [et_pb_line_break_holder] -->    padding-top: 30px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    span {<!-- [et_pb_line_break_holder] -->      animation: fadeIn ease 3s;<!-- 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[et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-ms-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->      \t}<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] -->    <!--[if lte IE 8]><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script><!-- [et_pb_line_break_holder] -->    <![endif]--><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] -->    <\/p>\n<form action=\"sa-results.html\" method=\"GET\"><!-- [et_pb_line_break_holder] -->        <script><!-- [et_pb_line_break_holder] -->            function selectOnlyThis(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"Check\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis5(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckA\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis6(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 6; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckB\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        <\/script><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"questions\"><pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#back\"><span>Back to the questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"slide-one-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] -->            <pee><span>1. What is your primary financial concern?<\/span><a name=\"1\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q1\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1a\"><input type=\"checkbox\" id=\"Check1\" name=\"question\" value=\"1) Debts\" onclick=\"selectOnlyThis(this.id)\"><span>Addressing my debts<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1b\"><input type=\"checkbox\" id=\"Check2\" name=\"question\" value=\"1) Budget\" onclick=\"selectOnlyThis(this.id)\"><span>Creating or reviewing my budget<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1c\"><input type=\"checkbox\" id=\"Check3\" name=\"question\" value=\"1) Knowledge\" onclick=\"selectOnlyThis(this.id)\"><span>Improving my financial knowledge (how credit works, credit report, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1d\"><input type=\"checkbox\" id=\"Check4\" name=\"question\" value=\"1) Saving\" onclick=\"selectOnlyThis(this.id)\"><span>Saving for a specific goal, such as retirement, a vacation, or major purchase<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1e\"><input type=\"checkbox\" id=\"Check5\" name=\"question\" value=\"1) Business\" onclick=\"selectOnlyThis(this.id)\"><span>Business-related issues (e.g. debt, operating losses, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>2. Do you currently carry balances on any of the following? <em>(Check all that apply)<\/em><\/span><a name=\"2\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q2\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check6\" value=\"2) Unsecured Debt\"><span>Unsecured debts (e.g. credit cards, unsecured lines of credit or loans, payday loans)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check7\" value=\"2) Secured Debt\"><span>Secured debts (e.g. mortgages or secured lines of credit, car loan)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check8\" value=\"2) Payday Loans\"><span>Payday loans<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check9\" value=\"2) Government Debt\"><span>Government debts (e.g. taxes, student loans, EI)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check10\" value=\"2) Service Provider Debt\"><span>Service providers (e.g. phone\/internet, utilities, gyms etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>3. Which of the following best describes you?<\/span><a name=\"3\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q3\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3a\"><input type=\"checkbox\" id=\"CheckA1\" name=\"question\" value=\"3) No balances\" onclick=\"selectOnlyThis5(this.id)\"><span>I pay off my balances in full each month<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3b\"><input type=\"checkbox\" id=\"CheckA2\" name=\"question\" value=\"3) Balances and good\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance but my debts are in \u201cgood standing\u201d<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3c\"><input type=\"checkbox\" id=\"CheckA3\" name=\"question\" value=\"3) Balances and behind\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance and I am behind in my regular payments<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3d\"><input type=\"checkbox\" id=\"CheckA4\" name=\"question\" value=\"3) Collection activities\" onclick=\"selectOnlyThis5(this.id)\"><span>I am receiving collection calls, letters, or threats to repossess assets<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3e\"><input type=\"checkbox\" id=\"CheckA5\" name=\"question\" value=\"3) Being sued\" onclick=\"selectOnlyThis5(this.id)\"><span>I have been sued by one or more creditors<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee><span>4. What is your household\u2019s primary source of income?<\/span><a name=\"how-we-can-help\">\u00a0<\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q4\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4a\"><input type=\"checkbox\" id=\"CheckB1\" name=\"question\" value=\"4) No income\" onclick=\"selectOnlyThis6(this.id)\"><span>No income<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4b\"><input type=\"checkbox\" id=\"CheckB2\" name=\"question\" value=\"4) Govt asstnc. or disability\" onclick=\"selectOnlyThis6(this.id)\"><span>Government Income Assistance and\/or disability programs (e.g. PWD, ODSP)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4c\"><input type=\"checkbox\" id=\"CheckB3\" name=\"question\" value=\"4) EI or government pension\" onclick=\"selectOnlyThis6(this.id)\"><span>EI or Government pensions (e.g. CPP\/OAS)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4d\"><input type=\"checkbox\" id=\"CheckB4\" name=\"question\" value=\"4) Employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4e\"><input type=\"checkbox\" id=\"CheckB5\" name=\"question\" value=\"4) Self-employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Self-Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4f\"><input type=\"checkbox\" id=\"CheckB6\" name=\"question\" value=\"4) Work pension\" onclick=\"selectOnlyThis6(this.id)\"><span>Work-based pensions<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\"><pee class=\"error-message\" id=\"errorMessage\" style=\"display:none\">First, please respond to the questions above<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] -->                    <button type=\"button\" id=\"showResults\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Show How We Can Help<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div>\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] -->                  <\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" style=\"display:none\"><span>Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_2\" hidden><span>Budgeting is essential for healthy finances, and we can help you with this important step. Our licensed Counsellors can help you make sense of your income and expenses, and review ways to make changes. We also have <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">some fantastic budgeting tools and guides if you want to dive in right now<\/a> before meeting with one of our Counsellors.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-1_3\" hidden><span>The Credit Counselling Society provides financial education through free appointments with our licensed credit counsellors. We also offer free workshops, webinars, and have created an <a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener\">educational website (mymoneycoach.ca)<\/a> with detailed information on many important financial topics.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_4\" hidden><span>There are a few pieces to consider when saving for a specific goal. The Credit Counselling Society can help with budgeting and savings tips, and you may also consider speaking with a financial planner.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_5\" hidden><span>If your business is struggling with debt, we may be able to help, depending on if the debt is personally guaranteed. If you\u2019re primarily looking for operations or planning assistance, a business advisor such as a consultant or accountant may be better able to help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_1\" hidden><span>In regard to your unsecured debts, this kind of debt can vary widely in terms of interest, payments, and terms. The good news is, though, that you have multiple relief options available. However, it can be difficult to weigh the pros and cons of each one. We can help you review the details and proceed with the solution that\u2019s best for you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_2\" hidden><span>For your secured debts, your options are more limited than with unsecured debts, due to the underlying asset (\u201csecurity\u201d). Nonetheless, we can help you explore those options and how they apply to your specific situation.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-2_3\" hidden><span>Regarding your payday loans, they can be challenging to repay without help due to the high interest rates and fees that are often charged. You may find yourself caught in a frustrating \u2018payday loan cycle\u2019 where you\u2019re borrowing money each month to pay the bill from the previous month ending up further behind than when you started. We can help you find options to break this cycle.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_4\" hidden><span>With respect to the money you owe the government, options can become very limited. Even insolvency options such as bankruptcy may not remove some government debts. We generally advise reaching out to the government entity whom you owe to try to arrange payments. We may be able to help you budget for this.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_5\" hidden><span>For the money you owe to service providers, the major factor is whether you want or need to continue with the service provided. If so, your only option is to contact the provider and try to arrange payments. If maintaining service is not necessary, you have more options and we can help you review them.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_1\" hidden><span>You indicate that you pay off your credit balances in full each month. Congratulations! Paying off your balances completely each month for credit cards, lines of credit, and other credit products is a sign of healthy finances. Many Canadians struggle to achieve this regularly. If you have concerns about meeting your future obligations, we\u2019re happy to provide some help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_2\" hidden><span>If you are carrying a balance with your debts, this does not necessarily mean you&#8217;re struggling, but it may be an indication of financial difficulty. We can help you determine if a few adjustments are necessary, or if more significant action is suggested for your situation. We\u2019ll also help you to develop a plan you\u2019re happy with.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_3\" hidden><span>If you&#8217;re struggling with your payments and some end up being late or get missed, this is often a sign of financial distress. Through an appointment, we can help you to determine whether it is possible to catch up, or whether other options need to be explored to reduce your debt.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_4\" hidden><span>If you are receiving collections communication or repossession threats, the situation has become serious and increasingly time-sensitive. We highly recommend contacting us for help with this situation as soon as possible because your creditors are likely to take further action.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_5\" hidden><span>If creditors have initiated legal action, our ability to help becomes limited. You are welcome to call us for guidance but you\u2019re likely going to need legal assistance, which we cannot provide directly. We can connect you with the right professionals for your situation if this ends up being the case.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_1\" hidden><span>If you are currently without income, the top priority is covering your essential living expenses while trying to obtain income. We encourage you to focus on these essentials, and we\u2019re happy to assist you with understanding your financial options.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_2\" hidden><span>The income you receive from the government is intended for basic needs such as food and shelter, and therefore is protected from creditors. We can help you review your budget and consider your options with this type of income and\/or a mix of other income types.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_3\" hidden><span>The income provided by EI or government pensions can meet basic needs, but it might be a reduction from your previous income. We can help you to create or review your existing budget and identify some potential adjustments while providing guidance on any debts you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_4\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_5\" hidden><span>In respect to your self-employment, this type of employment offers freedom and flexibility, but also poses unique challenges for managing your finances. We can help sole proprietors and non-corporate business owners through budgeting and debt solutions. We often advise corporate owners\/directors to contact a more specialized expert in corporate finance.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_6\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-cta\" hidden><span>If you&#8217;d like to speak with a certified credit counsellor right now, call us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or fill out the form below to request a call back. We look forward to hearing from you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                          <\/p>\n<div id=\"hidden-form\" hidden><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t<script><!-- [et_pb_line_break_holder] -->                                var responses; \/* Needed to add data to HubSpot form at the end *\/<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar ClickCount = 0;<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar show_results = document.getElementById(\"showResults\");<!-- [et_pb_line_break_holder] -->                        jQuery( document ).ready(function( $ ) {<!-- [et_pb_line_break_holder] -->                            function displayResults() {<!-- [et_pb_line_break_holder] -->                                var checkBox1 = document.getElementById(\"Check1\");<!-- [et_pb_line_break_holder] -->                                var checkBox2 = document.getElementById(\"Check2\");<!-- 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document.getElementById(\"CheckB4\");<!-- [et_pb_line_break_holder] -->                                var checkBox20 = document.getElementById(\"CheckB5\");<!-- [et_pb_line_break_holder] -->                                var checkBox21 = document.getElementById(\"CheckB6\");<!-- [et_pb_line_break_holder] -->                                var Q1Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q2Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q3Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q4Complete = false;<!-- [et_pb_line_break_holder] -->                                var FormComplete = false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 1 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox1.checked == true || checkBox2.checked == true || checkBox3.checked == true || checkBox4.checked == true || checkBox5.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q1Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q1Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'intro';<!-- [et_pb_line_break_holder] -->                                    $('#q1')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 3 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q3Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q3Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '2';<!-- [et_pb_line_break_holder] -->                                    $('#q3')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 4 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q4Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q4Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '3';<!-- [et_pb_line_break_holder] -->                                    \/\/$('#q4').css('background-color', 'red', 4000);<!-- [et_pb_line_break_holder] -->                                    \/\/$('#q4').animate({backgroundColor opacity: \"#ffffff\"}, \"slow\");<!-- [et_pb_line_break_holder] -->                                    $('#q4')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 2 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true){<!-- [et_pb_line_break_holder] -->                                 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    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                \/\/Checks that all manditory sections are complete<!-- [et_pb_line_break_holder] -->                                if (Q1Complete == false || Q3Complete == false || Q4Complete == false){<!-- [et_pb_line_break_holder] -->                                    FormComplete = false;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    FormComplete = true;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                var text1 = document.getElementById(\"hidden-1_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox1.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text1.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text1.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text2 = document.getElementById(\"hidden-1_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox2.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text2.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text2.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text3 = document.getElementById(\"hidden-1_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox3.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text3.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text3.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text4 = document.getElementById(\"hidden-1_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox4.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text4.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text4.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text5 = document.getElementById(\"hidden-1_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox5.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text5.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text5.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text6 = document.getElementById(\"hidden-2_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox6.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text6.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text6.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text7 = document.getElementById(\"hidden-2_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox7.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text7.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text7.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text8 = document.getElementById(\"hidden-2_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox8.checked == true && FormComplete == true){<!-- 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document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox10.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text11 = document.getElementById(\"hidden-3_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text12 = document.getElementById(\"hidden-3_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox12.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text13 = document.getElementById(\"hidden-3_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox13.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text14 = document.getElementById(\"hidden-3_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox14.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text15 = document.getElementById(\"hidden-3_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox15.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text16 = document.getElementById(\"hidden-4_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text17 = document.getElementById(\"hidden-4_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox17.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text18 = document.getElementById(\"hidden-4_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox18.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text19 = document.getElementById(\"hidden-4_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox19.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text20 = document.getElementById(\"hidden-4_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox20.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text21 = document.getElementById(\"hidden-4_6\");<!-- [et_pb_line_break_holder] -->                                if (checkBox21.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              \t\/\/Code for jumping back to slide one<!-- [et_pb_line_break_holder] -->                                var text101 = document.getElementById(\"slide-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text102 = document.getElementById(\"back-to-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var back_link = document.getElementById(\"goback\");<!-- [et_pb_line_break_holder] -->                                back_link.onclick = function() {<!-- [et_pb_line_break_holder] -->                                  text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  return false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Hides show results button after it's clicked<!-- [et_pb_line_break_holder] -->                                  if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                  back_link.scrollIntoView();<!-- [et_pb_line_break_holder] -->                                \t}<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Call to action<!-- [et_pb_line_break_holder] -->                                var text01 = document.getElementById(\"hidden-cta\");<!-- [et_pb_line_break_holder] -->                                var text02 = document.getElementById(\"hidden-form\");<!-- [et_pb_line_break_holder] -->                              \tvar text03 = document.getElementById(\"sa-hidden-form\");<!-- [et_pb_line_break_holder] -->                                if ((checkBox1.checked == true || checkBox2.checked == true || checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox10.checked == true || checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true  || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true)  && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/ Hidden Header for last section & Error Message<!-- [et_pb_line_break_holder] -->                                var text0 = document.getElementById(\"hidden-heading\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == false){<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \t\/\/Draws the eye to revealed text by putting new section in view then fading in text<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'top-h2';<!-- [et_pb_line_break_holder] -->                                    $('#reveal-section')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#5B25AF\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 5000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                            }         <!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Could use this in show results button: onclick=\"window.location.hash = 'how-we-can-help';\"<!-- [et_pb_line_break_holder] -->                          \t\/\/It then jumps to an achor link in question 4.<!-- [et_pb_line_break_holder] -->                           \t<!-- [et_pb_line_break_holder] -->                            \t\tvar show_r = document.getElementById(\"showResults\")<!-- [et_pb_line_break_holder] -->                            \t\tshow_r.onclick = function() {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\twindow.scrollBy(0, 400);<!-- [et_pb_line_break_holder] -->                            \t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->                            \t\t}<!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Put checkbox responses into an array to send to HubSpot<!-- [et_pb_line_break_holder] -->                              $(\"#showResults\").click(function(){<!-- [et_pb_line_break_holder] -->                                  displayResults();<!-- [et_pb_line_break_holder] -->                                \tClickCount = 1;<!-- [et_pb_line_break_holder] -->                                  var responseArray = [];<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->                                  $.each($(\"input[name='question']:checked\"), function(){<!-- [et_pb_line_break_holder] -->                                      responseArray.push($(this).val());<!-- [et_pb_line_break_holder] -->                                  });<!-- [et_pb_line_break_holder] -->                                  responses = responseArray.join(\", \");<!-- [et_pb_line_break_holder] -->                                            <!-- [et_pb_line_break_holder] -->                                  document.getElementsByName(\"responses_to_4_questions\").value = responses; <!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->                                });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        });<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->\/\/ Code for 5 review stars at the end of HubSpot form                      <!-- [et_pb_line_break_holder] -->(function injectStarRatingWithDescriptions() {<!-- [et_pb_line_break_holder] -->  const observer = new MutationObserver((mutations, obs) => {<!-- [et_pb_line_break_holder] -->    const ratingList = document.querySelector(\".hs_n4_question_app_rating ul\");<!-- [et_pb_line_break_holder] -->    if (!ratingList) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    obs.disconnect();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const lis = ratingList.querySelectorAll(\"li\");<!-- [et_pb_line_break_holder] -->    const fieldName = \"n4_question_app_rating\";<!-- [et_pb_line_break_holder] -->    const labels = [\"1 Star\", \"2 Stars\", \"3 Stars\", \"4 Stars\", \"5 Stars\"];<!-- [et_pb_line_break_holder] -->    let selectedIndex = -1;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Create descriptive label beside stars<!-- [et_pb_line_break_holder] -->    const descriptor = document.createElement(\"div\");<!-- [et_pb_line_break_holder] -->    descriptor.id = \"star-descriptor\";<!-- [et_pb_line_break_holder] -->    descriptor.style.marginLeft = \"12px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.fontSize = \"16px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.fontWeight = \"normal\";<!-- [et_pb_line_break_holder] -->    descriptor.style.color = \"#fff\";<!-- [et_pb_line_break_holder] -->    descriptor.style.minWidth = \"90px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.alignSelf = \"center\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Wrap stars and descriptor side by side<!-- [et_pb_line_break_holder] -->    const wrapper = document.createElement(\"div\");<!-- [et_pb_line_break_holder] -->    wrapper.style.display = \"flex\";<!-- [et_pb_line_break_holder] -->    wrapper.style.alignItems = \"center\";<!-- [et_pb_line_break_holder] -->    ratingList.parentElement.insertBefore(wrapper, ratingList);<!-- [et_pb_line_break_holder] -->    wrapper.appendChild(ratingList);<!-- [et_pb_line_break_holder] -->    wrapper.appendChild(descriptor);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    lis.forEach((li, index) => {<!-- [et_pb_line_break_holder] -->      const existingInput = li.querySelector(\"input\");<!-- [et_pb_line_break_holder] -->      if (existingInput) existingInput.remove();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      const label = li.querySelector(\"label\");<!-- [et_pb_line_break_holder] -->      if (label) {<!-- [et_pb_line_break_holder] -->        label.innerHTML = \"\u2606\";<!-- [et_pb_line_break_holder] -->        label.classList.add(\"custom-star-label\");<!-- [et_pb_line_break_holder] -->        label.setAttribute(\"data-index\", index);<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      const input = document.createElement(\"input\");<!-- [et_pb_line_break_holder] -->      input.type = \"radio\";<!-- [et_pb_line_break_holder] -->      input.name = fieldName;<!-- [et_pb_line_break_holder] -->      input.value = (index + 1).toString();<!-- [et_pb_line_break_holder] -->      input.style.display = \"none\";<!-- [et_pb_line_break_holder] -->      li.appendChild(input);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"click\", () => {<!-- [et_pb_line_break_holder] -->        ratingList.querySelectorAll(\"input\").forEach(inp => {<!-- [et_pb_line_break_holder] -->          inp.checked = false;<!-- [et_pb_line_break_holder] -->          inp.removeAttribute(\"checked\");<!-- [et_pb_line_break_holder] -->          inp.removeAttribute(\"data-gtm-form-interact-field-id\");<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        input.checked = true;<!-- [et_pb_line_break_holder] -->        input.setAttribute(\"checked\", \"checked\");<!-- [et_pb_line_break_holder] -->        input.setAttribute(\"data-gtm-form-interact-field-id\", \"0\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        selectedIndex = index;<!-- [et_pb_line_break_holder] -->        updateStars(index);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = labels[index];<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"mouseover\", () => {<!-- [et_pb_line_break_holder] -->        updateStars(index);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = labels[index];<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"mouseout\", () => {<!-- [et_pb_line_break_holder] -->        updateStars(selectedIndex);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = selectedIndex >= 0 ? labels[selectedIndex] : \"\";<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function updateStars(activeIndex) {<!-- [et_pb_line_break_holder] -->      lis.forEach((li2, i) => {<!-- [et_pb_line_break_holder] -->        const lbl = li2.querySelector(\"label\");<!-- [et_pb_line_break_holder] -->        if (lbl) {<!-- [et_pb_line_break_holder] -->          lbl.innerHTML = i <= activeIndex ? \"\u2605\" : \"\u2606\";<!-- [et_pb_line_break_holder] -->          lbl.classList.toggle(\"selected\", i <= activeIndex);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const initialIndex = Array.from(ratingList.querySelectorAll(\"input\")).findIndex(r => r.checked);<!-- [et_pb_line_break_holder] -->    if (initialIndex >= 0) {<!-- [et_pb_line_break_holder] -->      selectedIndex = initialIndex;<!-- [et_pb_line_break_holder] -->      updateStars(initialIndex);<!-- [et_pb_line_break_holder] -->      descriptor.textContent = labels[initialIndex];<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  observer.observe(document.body, { childList: true, subtree: true });<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] -->              \t\t\t\t<\/script><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] -->                     \t  <script><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\/* Creates HubSpot Form *\/<!-- [et_pb_line_break_holder] -->                        hbspt.forms.create({<!-- [et_pb_line_break_holder] -->                              region: \"na1\",<!-- [et_pb_line_break_holder] -->                              portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->                              formId: \"d9adde1f-5ea2-4342-bbcd-34122da1b389\",<!-- [et_pb_line_break_holder] -->                                  onFormReady: function($form) {<!-- [et_pb_line_break_holder] -->                                  $form.find('input[name=\"responses_to_4_questions\"]').val(responses).change();<!-- [et_pb_line_break_holder] -->                                  }<!-- [et_pb_line_break_holder] -->                              }); <!-- [et_pb_line_break_holder] -->                                       <!-- [et_pb_line_break_holder] -->                         \/* Adds checkbox responses to form after button click*\/ <!-- [et_pb_line_break_holder] -->                         function checkForClick() {<!-- [et_pb_line_break_holder] -->                              if (ClickCount > 0){      \t\t<!-- [et_pb_line_break_holder] -->                              \t\tconst input = document.querySelector('input[name=\"responses_to_4_questions\"]')<!-- [et_pb_line_break_holder] -->                                  input.value = responses;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tinput.dispatchEvent(new Event('input', { bubbles: true }));<!-- [et_pb_line_break_holder] -->                                \t<!-- [et_pb_line_break_holder] -->                                \t\/* console.log(\"checkForClick -> True\");<!-- [et_pb_line_break_holder] -->                                  console.log(responses); *\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                           \t\t}      <!-- [et_pb_line_break_holder] -->                          }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\tsetInterval(checkForClick, 5000);<!-- [et_pb_line_break_holder] -->                          <\/script><!-- [et_pb_line_break_holder] -->                       \t\t<script><!-- [et_pb_line_break_holder] -->\/\/ This injects CSS for the HS form 5 star review \/\/<!-- [et_pb_line_break_holder] -->(function injectStarStyle() {<!-- [et_pb_line_break_holder] -->  const style = document.createElement(\"style\");<!-- [et_pb_line_break_holder] -->  style.innerHTML = `<!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      list-style: none;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating label {<!-- [et_pb_line_break_holder] -->      font-size: 24px !important;<!-- [et_pb_line_break_holder] -->      cursor: pointer;<!-- [et_pb_line_break_holder] -->      user-select: none;<!-- [et_pb_line_break_holder] -->      color: #ccc !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating label.selected {<!-- [et_pb_line_break_holder] -->      color: #f5c518 !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating {<!-- [et_pb_line_break_holder] -->      padding-top: 10px !important;<!-- [et_pb_line_break_holder] -->      padding-bottom: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #star-descriptor {<!-- [et_pb_line_break_holder] -->    \tcolor: rgb(255 255 255 \/ 50%) !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #star-tooltip {<!-- [et_pb_line_break_holder] -->      transition: opacity 0.2s ease;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->     \/* Horizontal layout for English\/French radio buttons *\/<!-- [et_pb_line_break_holder] -->    .hs_preferred_language ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      flex-direction: row !important;<!-- [et_pb_line_break_holder] -->      gap: 20px !important;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->      list-style: none !important;<!-- [et_pb_line_break_holder] -->      flex-wrap: wrap !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/* Style individual options *\/<!-- [et_pb_line_break_holder] -->    .hs_preferred_language li {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      align-items: center !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      font-size: 16px !important;<!-- [et_pb_line_break_holder] -->      color: #fff !important;<!-- [et_pb_line_break_holder] -->      padding-right: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_preferred_language input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->      accent-color: #2ad13d !important; \/* Optional: green for \"yes\" *\/<!-- [et_pb_line_break_holder] -->      width: 16px !important;<!-- [et_pb_line_break_holder] -->      height: 16px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->    \/* Horizontal layout for SMS consent radio buttons *\/<!-- [et_pb_line_break_holder] -->    .hs_sms_opt_in_radio_buttons ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      flex-direction: row !important;<!-- [et_pb_line_break_holder] -->      gap: 20px !important;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->      list-style: none !important;<!-- [et_pb_line_break_holder] -->      flex-wrap: wrap !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/* Style individual options *\/<!-- [et_pb_line_break_holder] -->    .hs_sms_opt_in_radio_buttons li {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      align-items: center !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      font-size: 16px !important;<!-- [et_pb_line_break_holder] -->      color: #fff !important;<!-- [et_pb_line_break_holder] -->      padding-right: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_sms_opt_in_radio_buttons input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->      accent-color: #2ad13d !important; \/* Optional: green for \"yes\" *\/<!-- [et_pb_line_break_holder] -->      width: 16px !important;<!-- [et_pb_line_break_holder] -->      height: 16px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->\/* This fixes the radio buttons jumping on the HubSpot form *\/<!-- [et_pb_line_break_holder] -->\/* Normalize radio input and label behavior *\/<!-- [et_pb_line_break_holder] -->.hs_preferred_language li input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->  margin-right: 10px !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hs_sms_opt_in_radio_buttons li input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->  margin-right: 10px !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->  appearance: none;<!-- [et_pb_line_break_holder] -->  -webkit-appearance: none;<!-- [et_pb_line_break_holder] -->  -moz-appearance: none;<!-- [et_pb_line_break_holder] -->  width: 16px;<!-- [et_pb_line_break_holder] -->  height: 16px;<!-- [et_pb_line_break_holder] -->  border-radius: 50%;<!-- [et_pb_line_break_holder] -->  outline: none;<!-- [et_pb_line_break_holder] -->  background-color: #fff;<!-- [et_pb_line_break_holder] -->  transition: border 0.2s ease;<!-- [et_pb_line_break_holder] -->  position: relative;<!-- [et_pb_line_break_holder] -->  vertical-align: middle;<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Custom radio indicator *\/<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]::before {<!-- [et_pb_line_break_holder] -->  content: '';<!-- [et_pb_line_break_holder] -->  position: absolute;<!-- [et_pb_line_break_holder] -->  top: 4px;<!-- [et_pb_line_break_holder] -->  left: 4px;<!-- [et_pb_line_break_holder] -->  width: 8px;<!-- [et_pb_line_break_holder] -->  height: 8px;<!-- [et_pb_line_break_holder] -->  background-color: #4caf50;<!-- [et_pb_line_break_holder] -->  border-radius: 50%;<!-- [et_pb_line_break_holder] -->  display: none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Show dot when selected *\/<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]:checked::before {<!-- [et_pb_line_break_holder] -->  display: block;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Prevent shifting on hover\/focus *\/<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]:hover,<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]:focus {<!-- [et_pb_line_break_holder] -->  border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->  box-shadow: none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Label normalization *\/<!-- [et_pb_line_break_holder] -->.hs-form label {<!-- [et_pb_line_break_holder] -->  line-height: 1.4;<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->  padding: 0;<!-- [et_pb_line_break_holder] -->  transition: none !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  `;<!-- [et_pb_line_break_holder] -->  document.head.appendChild(style);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] -->                      <\/script><!-- [et_pb_line_break_holder] -->                  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->              <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/form>\n<p><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/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; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#e7dff3 0%|rgba(255,255,255,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#e7dff3&#8243; background_color_gradient_end=&#8221;rgba(255,255,255,0.85)&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg&#8221; background_position=&#8221;top_center&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;||170px|||&#8221; custom_padding_tablet=&#8221;||150px||false|false&#8221; custom_padding_phone=&#8221;||120px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;100px&#8221; 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|tablet&#8221; background_enable_image_tablet=&#8221;off&#8221; background_size_tablet=&#8221;cover&#8221; background_position_tablet=&#8221;center_left&#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 _builder_version=&#8221;4.16&#8243; 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 _builder_version=&#8221;4.16&#8243; header_2_text_align=&#8221;center&#8221; custom_margin=&#8221;||16px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>People We&#8217;ve Helped Interviewed on CTV News and Global TV<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;1500px&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>From time to time, the news media interviews some of the people we&#8217;ve helped who are comfortable sharing their stories publicly. Below are three who shared their experience with the Credit Counselling Society. Calgary news stations often interview our Counsellors too.<\/p>\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; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1500px&#8221; custom_padding=&#8221;||30px|||&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; 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; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;  margin: auto;||  width: 50%;||&#8221; custom_css_main_element_phone=&#8221; &#8220;][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; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#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;\/wp-content\/uploads\/2020\/09\/client-1.jpg&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _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; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#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;]Global News interviews Julia Fletcher after she pays off $10,000 in debt interest free with help from the Credit Counselling Society.  <a href=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/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_scale_last_edited=&#8221;off|desktop&#8221; transform_translate_last_edited=&#8221;off|desktop&#8221; transform_translate_linked__hover=&#8221;off&#8221; transform_rotate_last_edited=&#8221;off|desktop&#8221; transform_skew_last_edited=&#8221;off|desktop&#8221; transform_origin_last_edited=&#8221;off|desktop&#8221; transform_styles_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#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;\/wp-content\/uploads\/2020\/09\/client-2_3.jpg&#8221; url=&#8221;https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; 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; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#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;]CTV News interviews Dan Robinson after paying off $30,000 in debt at 0 interest with the help of the Credit Counselling Society. <a href=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" target=\"_blank\" rel=\"noopener noreferrer\">See story<\/a><\/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; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#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;\/wp-content\/uploads\/2020\/09\/client-4_3.jpg&#8221; url=&#8221;https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _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; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#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;]Global TV speaks with Charis who has nearly paid off $67,000 in debt on 13 credit cards with help from the Credit Counselling Society. <a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||50px|||&#8221; animation_direction=&#8221;bottom&#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 _builder_version=&#8221;4.16&#8243; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">See more <a href=\"https:\/\/nomoredebts.org\/press-media\">examples of the Credit Counselling Society in the news<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;5%&#8221; module_alignment_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element__hover=&#8221;transition: 0.9s;&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;off|hover&#8221; background_enable_image__hover=&#8221;off&#8221; filter_opacity__hover_enabled=&#8221;off|hover&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png&#8221; align=&#8221;center&#8221; admin_label=&#8221;Media Logos&#8221; _builder_version=&#8221;4.16&#8243; positioning=&#8221;absolute&#8221; position_origin_a=&#8221;top_center&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-3-description-3.png&#8221; align=&#8221;center&#8221; src_tablet=&#8221;\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png&#8221; src_phone=&#8221;\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png&#8221; src_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Description&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|phone&#8221; module_alignment=&#8221;center&#8221; filter_opacity=&#8221;0%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; filter_opacity__hover_enabled=&#8221;on|desktop&#8221; filter_opacity__hover=&#8221;100%&#8221; src__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||3px|||&#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 _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_code _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<div><style>#wprev-slider-6 .wprevpro_star_imgs{color: #FDD314;}#wprev-slider-6 .wprsp-star{color: #FDD314;}#wprev-slider-6 .wprevpro_star_imgs span.svgicons {background: #FDD314;}#wprev-slider-6 .wprev_preview_bradius_T6 {border-radius: 14px;}#wprev-slider-6 .wprev_preview_bg1_T6 {background:#fdfdfd;}#wprev-slider-6 .wprev_preview_bg2_T6 {background:#eeeeee;}#wprev-slider-6 .wprev_preview_tcolor1_T6 {color:#555555;}#wprev-slider-6 .wprev_preview_tcolor2_T6 {color:#555555;}#wprev-slider-6 .wprs_rd_more,.wprs_rd_less,.wprevpro_btn_show_rdpop{color:#0000ee;}<\/style><style>#wprev-slider-6 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp: 3;-webkit-box-orient: vertical;overflow:hidden;hyphens: auto;word-break: auto-phrase;}<\/style><\/div><div class=\"wprevpro wprev-slick-slider \" id=\"wprev-slider-6\"><div id=\"wprevgoslickid_6\"  style=\"display:none;\" class=\"wprevgoslick w3_wprs-row\" data-avatartemplate=\"0\" data-totalreviewsnum=\"9\" data-revsperrow=\"3\" data-wprevmasonry=\"no\" data-loadmore=\"no\" data-avatarnav=\"no\" data-revsameheight=\"yes\" data-slickwprev='{\"slidesToShow\": 3,\"slidesToScroll\": 3,\"dots\": true,\"arrows\": true,\"infinite\": false,\"speed\": 750,\"adaptiveHeight\": false,\"centerMode\": false,\"fade\":false,\"centerPadding\": \"60px\", \"rows\":1}'><div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1632700800_7.png\" alt=\"Juan Rojas Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Juan Rojas<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='7'>\t\t\t\tHaving found myself in a difficult place financially, I was in desperate need of help. I reviewed several options, but the CCC were not only able to help me, they were the only group with whom I could still qualify for student loans.Thanks to their program I was able to pay off my debts and begin a new chapter in my life!<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/107910769726397477652\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1616803200_10.png\" alt=\"Donna Schmidt Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Donna Schmidt<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='10'>\t\t\t\tThe best phone call I ever made.  My husband had been ill for two years and with no money coming in,  credit cards were used too often.  My super great counsellor, Maha, made my day.  She was so understanding and with her help and the sale of my home a few months ago, the entire debt was paid in just over a year.  No more sleepless nights.  Never be afraid to take that first step.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/107874406857523856500\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1614384000_11.png\" alt=\"Nichole Philipchuk Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Nichole Philipchuk<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='11'>\t\t\t\tNadia has been a huge help to my husband and I! We are on track with our finances and feel great about our situation now. Nadia is super helpful, friendly and non judgmental. She really cares and that gave us the  confidence to work with this great company.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/109552655327225625095\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1614384000_12.png\" alt=\"Mckenna Roberts Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Mckenna Roberts<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='12'>\t\t\t\tI called VERY early one morning with what I thought was a crisis.They answered immediately - no wait time or automated answering machine. I was helped right away, without a prior appointment. They took the time to explain exactly what situation I was in, and what options I had.Because of the help I received, a huge weight has been lifted off my shoulders. They were extremely polite, understanding, and helpful. I HIGHLY recommend giving them a call before anyone else.I can't thank them enough for their excellent service!!<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/106769678518940543683\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1611705600_15.png\" alt=\"Timothy Behnke Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Timothy Behnke<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='15'>\t\t\t\tShannon was very kind, professional and knowledgeable! Her help was very appreciated!  Sue and Tim<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/117148304693897019127\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1611705600_17.png\" alt=\"Arthur Sanchez Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Arthur Sanchez<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='17'>\t\t\t\tAfter years of struggling to manage my debt, I finally decided to seek help on getting my finances back in orderAfter searching and reviewing my options I decided to reach out to Credit Counselling Society(CCS) to see if they would be able to provide the help I was looking forI reached out to them and quickly was able to set up a no obligation appointment with Credit Counselor Sasha Zoorkan\u200b via phone call who was able to review my finances with me thoroughly and offer me options of what could be done to get my finances back in orderSasha was able to provide a option that could consolidate all my Credit Cards, lines of credit and pay day loans into a more manageable payment structure that I could afford and get me back on track to pay off my debt in a reasonable time frameWith the information I provided, Sasha was able to contact my creditors and make the arrangements for me and kept me up to date in the process of establishing my Debt Management Program. She was also able to provide me with the personal finance courses and information that CCS offers to help me learn how to manage my finances betterSasha always kept me up to date on my progress and has always been able to provide answers and support to any questions I've had regarding rebuilding my finances now and in the futureNearly a year into my program so far and I am happy with the services I have received from Sasha and CCS and feel I will have my finances where I want them to be sooner than I thought<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/115505361724127993358\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1611705600_18.png\" alt=\"Carol Foster Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Carol Foster<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='18'>\t\t\t\tGreat advice and professionalism. I highly recommend their services. Do not hesitate to take advantage of their expertise for your debt solutions.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/106668078860937374247\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1611705600_19.png\" alt=\"dee gertz Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">dee gertz<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='19'>\t\t\t\tAll my questions were clearly answered and the knowledge and help they provided was Great. Such a HELP<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/111565251182744194711\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1611705600_20.png\" alt=\"P.J. \u201cLongarm\u201d O&amp;#039;Malley Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">P.J. \u201cLongarm\u201d O'Malley<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='20'>\t\t\t\tNadia Graham was very professional, knowledgeable and helpful. I received the best advise of my life. She explained all the options available and suggested what's best for my financial situation. She's very respectful and non-judge mental which makes me feel comfortable. I walked of there feeling better about myself, the stress is gone. I will recommend your office to anyone especially to people who are scared like me. The best solution to anyone with financial troubles.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.google.com\/maps\/contrib\/107616183644684253006\/place\/ChIJxa3SxeFkcVMRhwA8Zt-rucc\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/google_small_icon.svg\" alt=\"Google Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<\/div><\/div><script type=\"application\/ld+json\">{\"@context\": \"http:\/\/schema.org\/\",\"@type\": \"LocalBusiness\",\"name\": \"Credit Counselling Society\",\"description\": \"The Credit Counselling Society helps people in Calgary put together a realistic budget, explore all their options to deal with their debt, and then create a plan to get out of debt. It is an accredited, non-profit charity and has served over 850,000 Canadians since opening its doors in 1996.\",\"aggregateRating\": {\"@type\": \"AggregateRating\",\"ratingValue\": \"5\",\"reviewCount\": \"184\",\"bestRating\": \"5\",\"worstRating\": \"1\"},\"image\": \"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/01\/cropped-ccs-logo-symbol.png\", \"address\": {\"@type\": \"PostalAddress\",\"addressLocality\": \"Calgary\",\"addressRegion\": \"Alberta\",\"postalCode\": \"T2E 7C8\",\"addressCountry\": \"\",\"streetAddress\": \"226 - 1935 32 Avenue NE\"}, \"telephone\": \"403-263-9905\"}<\/script>\r\n[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#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 _builder_version=&#8221;4.16&#8243; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#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 _builder_version=&#8221;4.20.2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Providing Canadians With Free Credit &amp; Debt Counselling Services Since 1996<\/h2>\n<p>With 98% of clients surveyed reporting they would recommend our services to others, offices located in communities across Canada, the Better Business Bureau\u2019s highest rating, and over 80 awards, the Credit Counselling Society is one of Canada\u2019s leading <b>credit counselling and debt relief service<\/b> providers. If you need help with debt management or just want to learn how to deal with your money better, call us now at <b>403-263-9905<\/b><b> or <\/b><b>1-888-527-8999<\/b>.<\/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; _builder_version=&#8221;4.16&#8243; width=&#8221;65%&#8221; max_width=&#8221;1500px&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; custom_css_main_element=&#8221;align-items: center;&#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; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/10\/credit-counselling-society-calgary-office.jpg&#8221; alt=&#8221;The Credit Counselling Society&#8217;s Calgary office which provides budgeting, debt relief, and debt consolidation help.&#8221; url=&#8221;https:\/\/www.google.com\/maps\/@51.0680216,-114.0167964,3a,75y,72.9h,90.38t\/data=!3m7!1e1!3m5!1sxqDJyW0nPwjqA4lgiy63Rg!2e0!6shttps:%2F%2Fstreetviewpixels-pa.googleapis.com%2Fv1%2Fthumbnail%3Fpanoid%3DxqDJyW0nPwjqA4lgiy63Rg%26cb_client%3Dmaps_sv.tactile.gps%26w%3D203%26h%3D100%26yaw%3D98.801865%26pitch%3D0%26thumbfov%3D100!7i13312!8i6656?hl=en-US&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.19.3&#8243; width=&#8221;80%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;auto&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;right&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_module=&#8221;50334&#8243; saved_tabs=&#8221;all&#8221; 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; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.3&#8243; width_tablet=&#8221;50%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;65%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding_tablet=&#8221;50px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Calgary Office<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.19.3&#8243; width_tablet=&#8221;50%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;65%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_padding_tablet=&#8221;50px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_module=&#8221;50333&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Suite 115 &#8211; 1925 18 Avenue NE<br \/>Calgary, AB T2E 7T8<\/p>\n<p><strong>Phone: <a href=\"tel:403-263-9905\">403-263-9905<\/a><\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.3&#8243; width=&#8221;60%&#8221; 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;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our Calgary office also provides credit counselling services to Panorama Hills, Signal Hill, Woodbine, Shawnessy, Ogden, Riverbend, Grand Centre, Calgary NW, Calgary NE, Calgary SE, Calgary SW, McKenzie Lake, Cranston, Martindale, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/alberta\/chestermere\">Chestermere<\/a>, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/alberta\/strathmore\">Strathmore<\/a>, De Winton, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/alberta\/okotoks\">Okotoks<\/a>, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/alberta\/airdrie\">Airdrie<\/a>, and <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/alberta\/cochrane\">Cochrane<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;50px|||||&#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 _builder_version=&#8221;4.16&#8243; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">\n<p class=\"text-align-center\"><em>Plan Your Trip: <a href=\"https:\/\/www.calgarytransit.com\/plan-a-trip\" target=\"_blank\" rel=\"noopener\">Calgary Transit Trip Planning<\/a><\/em><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_flip=&#8221;horizontal&#8221; top_divider_arrangement=&#8221;above_content&#8221; top_divider_color_tablet=&#8221;&#8221; top_divider_color_phone=&#8221;&#8221; top_divider_color_last_edited=&#8221;on|tablet&#8221; top_divider_height_tablet=&#8221;50px&#8221; top_divider_height_phone=&#8221;30px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_flip=&#8221;vertical&#8221; bottom_divider_arrangement=&#8221;above_content&#8221; bottom_divider_color_last_edited=&#8221;off|tablet&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#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 _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; min_height=&#8221;745px&#8221; custom_padding=&#8221;0px||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_code _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<iframe loading=\"lazy\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m8!1m3!1d40103.78535147998!2d-114.012872!3d51.081027!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x0%3A0xc7b9abdf663c0087!2sCredit%20Counselling%20Society%20Calgary%20%7C%20Free%20Debt%20Help%20and%20Relief!5e0!3m2!1sen!2sca!4v1585676094885!5m2!1sen!2sca\" width=\"100%\" height=\"750\" frameborder=\"0\" style=\"border:0;\" allowfullscreen=\"\"><\/iframe>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;75%&#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; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">There&#8217;s Life Beyond Debt for Everyone<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#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; max_width=&#8221;75%&#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; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">&#8220;When debts became a problem, I felt very overwhelmed \u2013 like I could not see the end of the tunnel. Picking up the phone felt like lifting a 10 pound rock, but they were very cheerful on the other end of the line. I came in, discussed my situation in privacy, and instantly got relief knowing I was in good hands.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Delores<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; z_index=&#8221;10&#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; 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 _builder_version=&#8221;4.27.4&#8243; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-30px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>More About the Credit Counselling Society &amp; Our Standards<\/h3>\n<p>We\u2019ve provided non-profit credit counselling for over 28 years and usually give entirely free help to about 95% of those who reach out to us. People will only pay for our help if they make the decision to sign up for our <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp\">Debt Management Program<\/a>. This consolidates every one of someone\u2019s credit card and other unsecured debt payments into just one monthly payment that fits their budget. With this program, interest is either stopped or substantially reduced. It will eliminate debt while protecting privacy, allowing credit repair, and working to put people\u2019s finances back on the right track as soon as possible. Yet this is simply one of a variety of tools we have to assist people.<\/p>\n<p>Some people think of us as credit card debt advisors, but we can do so much more than that. We firmly believe that the best debt consolidation services and debt help is something that allows an individual or couple to have a better financial future and accomplish their goals in the long-run, while getting their finances back on track as fast as possible in the short-term. It\u2019s disappointing that this perspective is at odds with how some commission driven credit consultants, financial counselors, debt advisors, and credit advisors who are out there choose to operate. We feel that when someone is having financial problems, it\u2019s important to carefully consider all their options and figure out what\u2019s going to work best for them in the long run. This is one important reason why we pay our staff a salary rather than commission. That way they can mentor people about their money or even refer them for a consumer proposal program if that is in someone\u2019s best interest.<\/p>\n<p>To hold our organization to the highest standards possible we have joined, been audited by, and are accountable to the <a href=\"https:\/\/nomoredebts.org\/about-us\/accredited-credit-counselling\">National Foundation for Credit Counseling<\/a> and <a href=\"https:\/\/creditcounsellingcanada.ca\/\">Credit Counselling Canada<\/a>. We\u2019re also accountable to the Canada Revenue Agency, a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-board-of-directors\">volunteer board of directors<\/a> and are the only organization in our industry to open up our books to an external auditor every year.<\/p>\n<p>If you\u2019d like to speak with one of our professionally trained credit and debt counsellors, take a look at your financial situation, and see what options you have to get back on track, call us now at 403-263-9905. We\u2019re here to help you.<\/p>\n<p>The <a href=\"https:\/\/www.youtube.com\/user\/CreditCounsellingSoc\">Credit Counselling Society<\/a> also provides <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/alberta\/calgary\">alternatives to bankruptcy in Calgary, Alberta<\/a> like our debt consolidation program.<\/p>\nLast Updated on June 25, 2025 \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;CTA &#8211; Need some help?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/man-calling-for-help-from-home-4.jpg&#8221; background_position=&#8221;top_center&#8221; height=&#8221;750px&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_arrangement=&#8221;above_content&#8221; top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; 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_module_preset=&#8221;default&#8221; 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; text_orientation=&#8221;center&#8221; max_width=&#8221;90%&#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; custom_margin=&#8221;-15px||||false|false&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Get Relief From Your Stress &#038;  Debt Today<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#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; 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Two important ways we pursue this is through transparency and accountability. 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Our Learning Hub offers free, self-paced online courses designed to help you master budgeting, credit, debt management, and more. Whether you&#8217;re just getting started or looking to sharpen your financial skills, our easy-to-follow lessons and practical tools will guide you every step of the way. 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