{"id":14928,"date":"2020-12-11T04:31:43","date_gmt":"2020-12-11T04:31:43","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=14928"},"modified":"2024-01-24T19:17:43","modified_gmt":"2024-01-24T19:17:43","slug":"fort-erie","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/fort-erie","title":{"rendered":"Fort Erie Non-Profit, Credit &#038; Debt Counselling Services | Ontario"},"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; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/07\/exploring-options-to-get-rid-of-debt_hero.jpg&#8221; min_height=&#8221;550px&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|phone&#8221; background_color_gradient_stops_tablet=&#8221;rgba(91,37,175,0.44) 16%|rgba(91,37,175,0) 80%&#8221; background_color_gradient_stops_phone=&#8221;rgba(91,37,175,0.44) 30%|rgba(91,37,175,0) 90%&#8221; background_color_gradient_start_position_tablet=&#8221;16%&#8221; background_color_gradient_start_position_phone=&#8221;30%&#8221; background_color_gradient_end_position_tablet=&#8221;80%&#8221; background_color_gradient_end_position_phone=&#8221;90%&#8221; 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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_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;25%&#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;]Fort Erie Credit Counselling[\/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_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;25%&#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;]We help you get your finances back on track with confidential, free, non-judgmental credit counselling.[\/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; custom_padding=&#8221;||3px||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;||1px||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;4.16&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"line-height: 90%;\">Fort Erie, Ontario Credit Counselling Society<br \/> <span style=\"font-size: 70%; color: #747474;\">Free Debt and Credit Help<\/span><\/h1>\n<p><strong><a href=\"https:\/\/www.n49.ca\/search.php?searchwhat=credit+counselling&#038;searchwhere=fort+erie%2C+on&#038;result_type=cat&#038;portal_id=&#038;x=30&#038;y=23\" target=\"_blank\" rel=\"noopener\"><span style=\"color:#666;\">Credit Counselling Fort Erie<\/span><\/a><\/strong> &#8211; Stressed about your debts? Maybe your credit is maxed out, you can&#8217;t sleep, or financial worries are affecting your relationships. We can help.<\/p>\n<p>&nbsp;<\/p>\n<h2>Non Profit Consumer Credit Counselling &#038; Debt Solutions from Canada&#8217;s Leading Service Provider<\/h2>\n<p>We are a <strong>non-profit consumer credit and debt counselling service<\/strong> providing debt solutions and help to Fort Erie. 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\/ontario\/fort-erie\" target=\"_blank\" rel=\"noopener\"><span style=\"color:#666;\">Consolidate your debts in Fort Erie<\/span><\/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|phone&#8221; admin_label=&#8221;CTA 1 &#8211; You&#8217;re not alone&#8221; _builder_version=&#8221;4.22.0&#8243; background_color=&#8221;#5B25AF&#8221; background_enable_image=&#8221;off&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;-100px||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;299px||200px||false|false&#8221; custom_padding_tablet=&#8221;||||false|false&#8221; custom_padding_phone=&#8221;220px||170px||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_color_tablet=&#8221;#ffffff&#8221; top_divider_color_phone=&#8221;#ffffff&#8221; top_divider_color_last_edited=&#8221;on|phone&#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_arrangement=&#8221;above_content&#8221; bottom_divider_style_last_edited=&#8221;off|tablet&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|tablet&#8221; scroll_blur=&#8221;0|40|60|100|100px|0px|0px&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_module=&#8221;50513&#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;4.22.0&#8243; max_width=&#8221;730px&#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;4.22.0&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.1em&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 id=\"top-h2\">Find Out What Options May Be Available to You<br \/>\n<span style=\"font-size: 70%; color: #bfbebe;\">by Answering Less Than 10 Simple Questions<\/span><\/h2>\n<p>Just answer these 9 easy, multiple-choice questions to get a look at your potential options. Within a few minutes, you&#8217;ll be looking at summarized options and results that apply specifically to your situation.<\/p>\n<p><a name=\"beginning\"><\/a><span name=\"how-we-can-help\"><\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#8221; locked=&#8221;off&#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 module_id=&#8221;first-top-heading&#8221; _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;22px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Discover Your Options<\/h2>\n<p>[\/et_pb_text][et_pb_code _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<!DOCTYPE html><!-- [et_pb_line_break_holder] --><html lang=\"en\"><!-- [et_pb_line_break_holder] --><head><!-- [et_pb_line_break_holder] -->    <meta charset=\"UTF-8\"><!-- [et_pb_line_break_holder] -->    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\"><!-- [et_pb_line_break_holder] -->    <title>Self Assessment of Debt Relief Options<\/title><!-- [et_pb_line_break_holder] -->    <script src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/2.1.1\/jquery.min.js\"><\/script><!-- [et_pb_line_break_holder] -->  <\/p>\n<style><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    #h1-subtitle {<!-- [et_pb_line_break_holder] -->      line-height: 0.7em;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    label {<!-- [et_pb_line_break_holder] -->        display: block; <!-- [et_pb_line_break_holder] -->        position: relative;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    input[type=\"checkbox\"] { <!-- [et_pb_line_break_holder] -->        position: absolute;<!-- [et_pb_line_break_holder] -->    \t\ttop: 0px; \/* Originally set to 2px. *\/<!-- [et_pb_line_break_holder] -->    \t\tleft: -17px; \/* Originally set to -5px. *\/<!-- [et_pb_line_break_holder] -->        float: left; \/* Puts checkbox buttons on the left side of the text*\/<!-- [et_pb_line_break_holder] -->        margin-right: 10px; \/* Adds space between the checkbox button and the text *\/<!-- [et_pb_line_break_holder] -->      \twidth: 25px; \/* Increases the size of checkboxes. 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[et_pb_line_break_holder] -->        vertical-align: middle;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .own-div {<!-- [et_pb_line_break_holder] -->      padding-bottom: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .small-div {<!-- [et_pb_line_break_holder] -->      padding-top: 15px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-section {<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->      \ttext-align: center;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    input[type=\"checkbox\"]{<!-- [et_pb_line_break_holder] -->        float: left; \/* Puts checkbox buttons on the left side of the text*\/<!-- [et_pb_line_break_holder] -->        margin-right: 10px; \/* Adds space between the checkbox button and the text *\/<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    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[et_pb_line_break_holder] -->    \/******** These settings are for the monthly income and expense slider ********\/<!-- [et_pb_line_break_holder] -->    .slidecontainer {<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slider {<!-- [et_pb_line_break_holder] -->        -webkit-appearance: none;<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->        height: 15px;<!-- [et_pb_line_break_holder] -->        border-radius: 5px;<!-- [et_pb_line_break_holder] -->        background: rgb(146,83,244);<!-- [et_pb_line_break_holder] -->        outline: none;<!-- [et_pb_line_break_holder] -->        opacity: 0.7;<!-- [et_pb_line_break_holder] -->        -webkit-transition: .2s;<!-- [et_pb_line_break_holder] -->        transition: opacity .2s;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slider:hover {<!-- [et_pb_line_break_holder] -->        opacity: 1;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slider::-webkit-slider-thumb {<!-- [et_pb_line_break_holder] -->        -webkit-appearance: none;<!-- [et_pb_line_break_holder] -->        appearance: none;<!-- [et_pb_line_break_holder] -->        width: 25px;<!-- [et_pb_line_break_holder] -->        height: 25px;<!-- [et_pb_line_break_holder] -->        border-radius: 50%;<!-- [et_pb_line_break_holder] -->        background: #02c91a;<!-- [et_pb_line_break_holder] -->        cursor: pointer;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slider::-moz-range-thumb {<!-- [et_pb_line_break_holder] -->        width: 25px;<!-- [et_pb_line_break_holder] -->        height: 25px;<!-- [et_pb_line_break_holder] -->        border-radius: 50%;<!-- [et_pb_line_break_holder] -->        background: #5c27af;<!-- [et_pb_line_break_holder] -->        cursor: pointer;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  \/******** End of monthly income and expense slider section ********\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .slider-value{<!-- [et_pb_line_break_holder] -->        text-align: center;<!-- [et_pb_line_break_holder] -->        color: #8f8f8f;<!-- [et_pb_line_break_holder] -->        margin-bottom: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-style {<!-- [et_pb_line_break_holder] -->      background-color: #2ad13d;<!-- [et_pb_line_break_holder] -->      color: #fff;<!-- [et_pb_line_break_holder] -->      min-width: 140px;<!-- [et_pb_line_break_holder] -->      padding: 10px 13px;<!-- [et_pb_line_break_holder] -->      font-size: 18px;<!-- [et_pb_line_break_holder] -->      border-style: solid;<!-- [et_pb_line_break_holder] -->      border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->      border-radius: 10px;<!-- [et_pb_line_break_holder] -->      font-weight: bold;<!-- [et_pb_line_break_holder] -->      cursor: pointer;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-style:hover {<!-- [et_pb_line_break_holder] -->      background-color: #5c27af;<!-- [et_pb_line_break_holder] -->      color: #2ad13d;<!-- [et_pb_line_break_holder] -->      border-style: solid;<!-- [et_pb_line_break_holder] -->      border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-style-wide {<!-- [et_pb_line_break_holder] -->      background-color: #2ad13d;<!-- [et_pb_line_break_holder] -->      color: white;<!-- [et_pb_line_break_holder] -->      width: 250px;<!-- [et_pb_line_break_holder] -->      padding: 7px 13px;<!-- [et_pb_line_break_holder] -->      font-size: 16px;<!-- [et_pb_line_break_holder] -->      border-style: solid;<!-- [et_pb_line_break_holder] -->      border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->      border-radius: 8px;<!-- [et_pb_line_break_holder] -->      cursor: pointer;<!-- [et_pb_line_break_holder] -->      margin: auto;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .button-style-wide:hover {<!-- [et_pb_line_break_holder] -->      background-color: #ffffff;<!-- [et_pb_line_break_holder] -->      color: #2ad13d;<!-- [et_pb_line_break_holder] -->      border-style: solid;<!-- [et_pb_line_break_holder] -->      border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .submit-button{<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      padding-top: 40px;<!-- [et_pb_line_break_holder] -->    }  <!-- [et_pb_line_break_holder] -->    .dropdown-menu-box {<!-- [et_pb_line_break_holder] -->      width: 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] -->    .error-message {<!-- [et_pb_line_break_holder] -->    \tcolor: red;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .issues-found {<!-- [et_pb_line_break_holder] -->    \tcolor: red;<!-- [et_pb_line_break_holder] -->    \tpadding-bottom: 10px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .spacer {<!-- [et_pb_line_break_holder] -->      padding: 30px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .calculations {<!-- [et_pb_line_break_holder] -->      background-color: #ffe2d2;<!-- [et_pb_line_break_holder] -->      padding-top: 10px;<!-- [et_pb_line_break_holder] -->      font-size: 15px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .calculations:after {<!-- [et_pb_line_break_holder] -->      content: \"\";<!-- [et_pb_line_break_holder] -->      display: table;<!-- [et_pb_line_break_holder] -->      clear: both;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #calculations-top-section:after {<!-- [et_pb_line_break_holder] -->      content: \"\";<!-- [et_pb_line_break_holder] -->      display: table;<!-- [et_pb_line_break_holder] -->      clear: both;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #calculations-bottom-section:after {<!-- [et_pb_line_break_holder] -->      content: \"\";<!-- [et_pb_line_break_holder] -->      display: table;<!-- [et_pb_line_break_holder] -->      clear: both;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .colored-results {<!-- [et_pb_line_break_holder] -->      color: #d54c00;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .title-row {<!-- [et_pb_line_break_holder] -->    \tpadding: 15px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .column {<!-- [et_pb_line_break_holder] -->        float: left;<!-- [et_pb_line_break_holder] -->        width: 50%;<!-- [et_pb_line_break_holder] -->        padding: 15px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .calc-section {<!-- [et_pb_line_break_holder] -->      \tfont-size: 12px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .center-mc2-vert{<!-- [et_pb_line_break_holder] -->        padding-top: 30px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .center-mc3-vert{<!-- [et_pb_line_break_holder] -->        position: relative;<!-- [et_pb_line_break_holder] -->        padding-top: 30px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .consumer-debt-question {<!-- [et_pb_line_break_holder] -->        padding-bottom: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .results-section{<!-- [et_pb_line_break_holder] -->        padding-top: 10px;<!-- [et_pb_line_break_holder] -->        padding-bottom: 10px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .info-icon {<!-- [et_pb_line_break_holder] -->        padding-left: 10px;<!-- [et_pb_line_break_holder] -->        width: 30px;<!-- [et_pb_line_break_holder] -->        height: 20px;<!-- [et_pb_line_break_holder] -->        opacity: 0.5;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .center-mc3-vert .info-text {<!-- [et_pb_line_break_holder] -->        visibility: hidden;<!-- [et_pb_line_break_holder] -->        width: 250px;<!-- [et_pb_line_break_holder] -->        background-color: rgb(155, 155, 155);<!-- [et_pb_line_break_holder] -->        color: #fff;<!-- [et_pb_line_break_holder] -->        text-align: center;<!-- [et_pb_line_break_holder] -->        border-radius: 8px;<!-- [et_pb_line_break_holder] -->        padding: 5px;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        \/* Position the tooltip *\/<!-- [et_pb_line_break_holder] -->        position: absolute;<!-- [et_pb_line_break_holder] -->        z-index: 10;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .center-mc3-vert:hover .info-text {<!-- [et_pb_line_break_holder] -->        visibility: visible;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #options-to-reveal {<!-- [et_pb_line_break_holder] -->        padding-top: 50px;<!-- [et_pb_line_break_holder] -->        padding-bottom: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #options-intro {<!-- [et_pb_line_break_holder] -->        padding-bottom: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .row {<!-- [et_pb_line_break_holder] -->      padding-top: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    \/* Clear floats after the columns *\/<!-- [et_pb_line_break_holder] -->    .row:after {<!-- [et_pb_line_break_holder] -->      content: \"\";<!-- [et_pb_line_break_holder] -->      display: table;<!-- [et_pb_line_break_holder] -->      clear: both;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .row2 {<!-- [et_pb_line_break_holder] -->      padding-bottom: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    \/* Clear floats after the columns *\/<!-- [et_pb_line_break_holder] -->    .row2:after {<!-- [et_pb_line_break_holder] -->      content: \"\";<!-- [et_pb_line_break_holder] -->      display: table;<!-- [et_pb_line_break_holder] -->      clear: both;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .options-row {<!-- [et_pb_line_break_holder] -->      padding-top: 15px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    \/* Clear floats after the columns *\/<!-- [et_pb_line_break_holder] -->    .options-row:after {<!-- [et_pb_line_break_holder] -->      content: \"\";<!-- [et_pb_line_break_holder] -->      display: table;<!-- [et_pb_line_break_holder] -->      clear: both;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slider-option {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      width: 180px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slider-option-space {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      width: 90px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .slide-space {<!-- [et_pb_line_break_holder] -->      padding-top: 15px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    \/* Debt Option Cards *\/<!-- [et_pb_line_break_holder] -->    .card-shape {<!-- [et_pb_line_break_holder] -->      \/* Creates two columns that allow Options Cards to float next to each other *\/<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      width: 47%;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      \/* Styling for Options Cards *\/<!-- [et_pb_line_break_holder] -->      height: 430px;<!-- [et_pb_line_break_holder] -->      margin-right: 15px;<!-- [et_pb_line_break_holder] -->      margin-bottom: 15px;<!-- [et_pb_line_break_holder] -->      perspective: 500px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-shape:hover .card-inside {<!-- [et_pb_line_break_holder] -->      transform: rotateY(180deg);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-inside {<!-- [et_pb_line_break_holder] -->      position: relative;<!-- [et_pb_line_break_holder] -->  \t\twidth: 100%;<!-- [et_pb_line_break_holder] -->  \t\theight: 100%;<!-- [et_pb_line_break_holder] -->  \t\ttext-align: center;<!-- [et_pb_line_break_holder] -->  \t\ttransition: transform 1.2s;<!-- [et_pb_line_break_holder] -->  \t\ttransform-style: preserve-3d;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .flip-card-front, .flip-card-back {<!-- [et_pb_line_break_holder] -->      position: absolute;<!-- [et_pb_line_break_holder] -->  \t\twidth: 100%;<!-- [et_pb_line_break_holder] -->  \t\theight: 100%;<!-- [et_pb_line_break_holder] -->      -webkit-backface-visibility: hidden;<!-- [et_pb_line_break_holder] -->      backface-visibility: hidden;        <!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .flip-card-front {<!-- [et_pb_line_break_holder] -->      background-color: #e6dcfd;<!-- [et_pb_line_break_holder] -->  \t\tcolor: black;<!-- [et_pb_line_break_holder] -->      padding: 30px;<!-- [et_pb_line_break_holder] -->      border-radius: 12px;<!-- [et_pb_line_break_holder] -->      box-shadow: 0px 12px 18px -6px rgba(0,0,0,0.35);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .flip-card-back {<!-- [et_pb_line_break_holder] -->      background-color: rgb(239 238 234);<!-- [et_pb_line_break_holder] -->  \t\tcolor: black;<!-- [et_pb_line_break_holder] -->      padding: 30px;<!-- [et_pb_line_break_holder] -->      transform: rotateY(180deg);<!-- [et_pb_line_break_holder] -->      border-radius: 12px;<!-- [et_pb_line_break_holder] -->      box-shadow: 0px 12px 18px -6px rgba(0,0,0,0.35);<!-- [et_pb_line_break_holder] -->      \/*display: flex;*\/<!-- [et_pb_line_break_holder] -->  \t\tjustify-content: center;<!-- [et_pb_line_break_holder] -->  \t\talign-items: center;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-icon {<!-- [et_pb_line_break_holder] -->      \/*padding-bottom: 20px;*\/<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-heading {<!-- [et_pb_line_break_holder] -->      font-size: 18px;<!-- [et_pb_line_break_holder] -->      color: #000;<!-- [et_pb_line_break_holder] -->      font-weight: bold;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-text {<!-- [et_pb_line_break_holder] -->      color: #000;<!-- [et_pb_line_break_holder] -->      font-size: 16px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-link {<!-- [et_pb_line_break_holder] -->      color: #5b25af!important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .card-link:hover {<!-- [et_pb_line_break_holder] -->      color: #2ad13d;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #option-cards-intro {<!-- [et_pb_line_break_holder] -->      padding-top: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .column2 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      width: 50%;<!-- [et_pb_line_break_holder] -->      padding: 5px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .second-page-checkbox-text {<!-- [et_pb_line_break_holder] -->      padding-left: 30px;      <!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .second-page-checkbox {<!-- [et_pb_line_break_holder] -->      margin-top: -2px;<!-- [et_pb_line_break_holder] -->      margin-left: 14px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .pre-slider-text {<!-- [et_pb_line_break_holder] -->      color: #8f8f8f;<!-- [et_pb_line_break_holder] -->    \tpadding-bottom: 20px!important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #end-cta-paragraph {<!-- [et_pb_line_break_holder] -->      padding-top: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #hidden-heading-1 {<!-- [et_pb_line_break_holder] -->      padding-top: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #sa-hidden-form {<!-- [et_pb_line_break_holder] -->      border-radius: 12px;<!-- [et_pb_line_break_holder] -->    \tbox-shadow: 0px 1px 15px 5px #0000006b;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #main-content .hs-form {<!-- [et_pb_line_break_holder] -->      border-radius: 12px;<!-- [et_pb_line_break_holder] -->      background: #ffffff;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .hs-form .hs-form-field .hs-input {<!-- [et_pb_line_break_holder] -->      background: #f5f5f5!important;<!-- [et_pb_line_break_holder] -->      color: #666666!important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .hs-form .hs-form-field .hs-input::placeholder {<!-- [et_pb_line_break_holder] -->      color: #b1b1b1!important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .hs-form .hs-submit .hs-button {<!-- [et_pb_line_break_holder] -->      background-color: #2ad13d;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #contact-me {<!-- [et_pb_line_break_holder] -->      padding: 20px 0px 30px 0px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #province {<!-- [et_pb_line_break_holder] -->      width: 300px;<!-- [et_pb_line_break_holder] -->      font-size: 16px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #showButton {<!-- [et_pb_line_break_holder] -->      background-color: #efa47a;<!-- [et_pb_line_break_holder] -->      border-color: #efa47a;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->     #showButton:hover {<!-- [et_pb_line_break_holder] -->      background-color: #ffe2d2;<!-- [et_pb_line_break_holder] -->      color: #efa47a;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    \/* #errorMessage {<!-- [et_pb_line_break_holder] -->      padding: 10px 0px 25px 0px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #errorMessage-2 {<!-- [et_pb_line_break_holder] -->      padding: 10px 0px 25px 0px;<!-- [et_pb_line_break_holder] -->    } *\/<!-- [et_pb_line_break_holder] -->    .error-message-section {<!-- [et_pb_line_break_holder] -->      padding: 10px 0px 25px 0px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #back-to-one {<!-- [et_pb_line_break_holder] -->      padding-bottom: 10px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    .dim {<!-- [et_pb_line_break_holder] -->      box-shadow: 0 0 0 100vmax rgba(0, 0, 0, .3);<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #endDim {<!-- [et_pb_line_break_holder] -->      float: right;<!-- [et_pb_line_break_holder] -->      margin-top: -15px;<!-- [et_pb_line_break_holder] -->      margin-right: -15px;<!-- [et_pb_line_break_holder] -->      cursor: pointer;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #contact-form {<!-- [et_pb_line_break_holder] -->      width: 700px;<!-- [et_pb_line_break_holder] -->      height: 500px;<!-- [et_pb_line_break_holder] -->      z-index: 9000;<!-- [et_pb_line_break_holder] -->      margin: auto;        <!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #inner-contact-form {<!-- [et_pb_line_break_holder] -->      border-radius: 12px;<!-- [et_pb_line_break_holder] -->      z-index: 9001;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .s-o-right {<!-- [et_pb_line_break_holder] -->      text-align: right;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 920px) {<!-- [et_pb_line_break_holder] -->      .et_pb_row_2 {<!-- [et_pb_line_break_holder] -->        width: 90%!important;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #sa-form {<!-- [et_pb_line_break_holder] -->        width: 90%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .questions {<!-- [et_pb_line_break_holder] -->        display: block;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slide-content {<!-- [et_pb_line_break_holder] -->        font-size: 14px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slide-content .slider-option {<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions {<!-- [et_pb_line_break_holder] -->        line-height: 2em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions-2 {<!-- [et_pb_line_break_holder] -->        line-height: 2.1em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .s-o-center {<!-- [et_pb_line_break_holder] -->\t\t\t\ttext-align: center;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      label {<!-- [et_pb_line_break_holder] -->        \/*display: inline-block!important;*\/<!-- [et_pb_line_break_holder] -->        text-align: left;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slider-option {<!-- [et_pb_line_break_holder] -->        width: 26.6%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slider-option-space {<!-- [et_pb_line_break_holder] -->        width: 10%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .button-section {<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->        text-align: center;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->          float: none;<!-- [et_pb_line_break_holder] -->          width: 50%;<!-- [et_pb_line_break_holder] -->        \tmin-width: 500px;<!-- [et_pb_line_break_holder] -->          padding: 15px;<!-- [et_pb_line_break_holder] -->        \tmargin: auto;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 810px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 80%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 80%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 784px) {<!-- [et_pb_line_break_holder] -->      #sa-form {<!-- [et_pb_line_break_holder] -->        width: 90%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .questions {<!-- [et_pb_line_break_holder] -->        display: block;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slide-content {<!-- [et_pb_line_break_holder] -->        font-size: 12px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slide-content .slider-option {<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions {<!-- [et_pb_line_break_holder] -->        line-height: 2.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions-2 {<!-- [et_pb_line_break_holder] -->        line-height: 2.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .s-o-center {<!-- [et_pb_line_break_holder] -->\t\t\t\ttext-align: center;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slider-option {<!-- [et_pb_line_break_holder] -->        width: 26.6%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slider-option-space {<!-- [et_pb_line_break_holder] -->        width: 10%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .button-section {<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->        text-align: center;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->          float: none;<!-- [et_pb_line_break_holder] -->          width: 70%;<!-- [et_pb_line_break_holder] -->        \tmin-width: 350px;<!-- [et_pb_line_break_holder] -->          padding: 15px;<!-- [et_pb_line_break_holder] -->        \tmargin: auto;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 75%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 75%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 660px) {<!-- [et_pb_line_break_holder] -->      .flip-card-front {<!-- [et_pb_line_break_holder] -->        font-size: 15px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .flip-card-back {<!-- [et_pb_line_break_holder] -->        font-size: 14px;<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->        min-height: 480px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 615px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 70%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 70%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      label {<!-- [et_pb_line_break_holder] -->        width: 100%!important;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions label {<!-- [et_pb_line_break_holder] -->        white-space: normal;<!-- [et_pb_line_break_holder] -->      }      <!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 575px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 65%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 65%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 535px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 60%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 60%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      input[type=\"checkbox\"] {<!-- [et_pb_line_break_holder] -->        width: 35px;<!-- [et_pb_line_break_holder] -->        height: 35px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions {<!-- [et_pb_line_break_holder] -->        line-height: 3.5em;<!-- [et_pb_line_break_holder] -->        padding-left: 15px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions-2 {<!-- [et_pb_line_break_holder] -->        line-height: 3.5em;<!-- [et_pb_line_break_holder] -->        padding-left: 15px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions label {<!-- [et_pb_line_break_holder] -->        padding-left: 35px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions-2 label {<!-- [et_pb_line_break_holder] -->        padding-left: 35px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      input[type='checkbox']:checked:after {<!-- [et_pb_line_break_holder] -->        font-size: 30px;<!-- [et_pb_line_break_holder] -->        padding: 1px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #sa-form {<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->        \/* 90% *\/<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .questions {<!-- [et_pb_line_break_holder] -->        display: block;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slide-content {<!-- [et_pb_line_break_holder] -->        font-size: 12px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slide-content .slider-option {<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .s-o-center {<!-- [et_pb_line_break_holder] -->\t\t\t\ttext-align: center;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->          float: none;<!-- [et_pb_line_break_holder] -->          width: 80%;<!-- [et_pb_line_break_holder] -->        \tmin-width: 400px;<!-- [et_pb_line_break_holder] -->        \tmin-height: 370px;<!-- [et_pb_line_break_holder] -->        \theight: 370px;<!-- [et_pb_line_break_holder] -->          padding: 15px;<!-- [et_pb_line_break_holder] -->        \tmargin: auto;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-heading {<!-- [et_pb_line_break_holder] -->        font-size: 16px;<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-text {<!-- [et_pb_line_break_holder] -->        font-size: 14px;<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .option-text {<!-- [et_pb_line_break_holder] -->        padding-bottom: 5px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-icon {<!-- [et_pb_line_break_holder] -->        padding-bottom: 1px;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .flip-card-back {<!-- [et_pb_line_break_holder] -->        font-size: 14px;<!-- [et_pb_line_break_holder] -->        line-height: 1.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 500px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 55%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 55%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 455px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 50%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 50%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->          float: none;<!-- [et_pb_line_break_holder] -->          width: 95%;<!-- [et_pb_line_break_holder] -->        \tmin-width: 95%;<!-- [et_pb_line_break_holder] -->        \tmin-height: 380px;<!-- [et_pb_line_break_holder] -->        \theight: 380px;<!-- [et_pb_line_break_holder] -->          padding: 15px;<!-- [et_pb_line_break_holder] -->        \tmargin: auto;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 415px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 45%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 45%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 400px) {<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->        float: none;<!-- [et_pb_line_break_holder] -->        width: 95%;<!-- [et_pb_line_break_holder] -->        min-width: 95%;<!-- [et_pb_line_break_holder] -->        min-height: 380px;<!-- [et_pb_line_break_holder] -->        height: 380px;<!-- [et_pb_line_break_holder] -->        padding: 15px;<!-- [et_pb_line_break_holder] -->        margin: auto;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      \/*.indented-questions {<!-- [et_pb_line_break_holder] -->        line-height: 2.3em;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .indented-questions-2 {<!-- [et_pb_line_break_holder] -->        line-height: 2.3em;<!-- [et_pb_line_break_holder] -->      }*\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      \/*label {<!-- [et_pb_line_break_holder] -->        display: inline-block!important;<!-- [et_pb_line_break_holder] -->\t\t\t\twidth: 50%!important;<!-- [et_pb_line_break_holder] -->        text-align: left;<!-- [et_pb_line_break_holder] -->      }*\/<!-- [et_pb_line_break_holder] -->      .slider-option {<!-- [et_pb_line_break_holder] -->        width: 26.6%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .slider-option-space {<!-- [et_pb_line_break_holder] -->        width: 10%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .button-section {<!-- [et_pb_line_break_holder] -->        width: 100%;<!-- [et_pb_line_break_holder] -->        text-align: center;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 390px) {<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->        min-height: 390px;<!-- [et_pb_line_break_holder] -->        height: 390px;<!-- [et_pb_line_break_holder] -->      } <!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 380px) {<!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 40%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 40%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->        min-height: 400px;<!-- [et_pb_line_break_holder] -->        height: 400px;<!-- [et_pb_line_break_holder] -->      } <!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    @media only screen and (max-width: 360px) {<!-- [et_pb_line_break_holder] -->      .card-shape {<!-- [et_pb_line_break_holder] -->        min-height: 420px;<!-- [et_pb_line_break_holder] -->        height: 420px;<!-- [et_pb_line_break_holder] -->      } <!-- [et_pb_line_break_holder] -->      #sa-hidden-form {<!-- [et_pb_line_break_holder] -->        width: 35%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->      #contact-me {<!-- [et_pb_line_break_holder] -->        width: 35%;<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [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\" id=\"sa-form\"><\/form>\n<p><!-- [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(\"CheckQ1-\" + 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(\"CheckQ3-\" + 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\"><!-- [et_pb_line_break_holder] -->          <pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#slide-one\"><span>Back to previous questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"slide-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                <pee>1. How would you describe your financial situation? Please move the slider along the scale to reflect approximately where you feel you&#8217;re at.<\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"slidecontainer slide-space\"><!-- [et_pb_line_break_holder] -->                    <input type=\"range\" min=\"1\" max=\"40\" value=\"1\" step=\"1\" class=\"slider\" id=\"financialSituationSlider\"><!-- [et_pb_line_break_holder] -->                    <\/p>\n<div class=\"options-row\"><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option\"><pee>I can cover all my expenses each month, plus have the ability to save.<\/pee><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p>                      <!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option s-o-center\"><pee>I can cover my monthly expenses, but I need to borrow, work extra, etc.<\/pee><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option s-o-right\"><pee>I can no longer cover all my expenses every month.<\/pee><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee>2. Which of the following best describes you?<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=\"CheckQ3-1\" 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=\"CheckQ3-2\" 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=\"CheckQ3-3\" 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=\"CheckQ3-4\" 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=\"CheckQ3-5\" 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>3. How stressed do you feel about your debt?<\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"slidecontainer slide-space\"><!-- [et_pb_line_break_holder] -->                    <input type=\"range\" min=\"1\" max=\"40\" value=\"1\" step=\"1\" class=\"slider\" id=\"financialStressSlider\"><!-- [et_pb_line_break_holder] -->                    <\/p>\n<div class=\"options-row\"><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option\"><pee>Not stressed<\/pee><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p>                      <!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option s-o-center\"><pee>Somewhat stressed<\/pee><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div class=\"slider-option s-o-right\"><pee>Very stressed<\/pee><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/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=\"slide-one-done\" value=\"click\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Continue<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"slide-content\" id=\"slide-two\" hidden><!-- [et_pb_line_break_holder] --><pee>4. Do\u00a0you have any\u00a0of the following significant assets? <em>(Check all that apply)<\/em><a name=\"5\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions-2\" id=\"q5\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-5\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ5-1\" value=\"Vehicle(s)\">Vehicle(s)<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-5\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ5-2\" value=\"Property\">Property<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-5\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ5-3\" value=\"Investments\">Investments<\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p>            <!-- [et_pb_line_break_holder] -->            \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p>             <!-- [et_pb_line_break_holder] -->            <pee>5. Do you have any of the following secured debts? <em>(Check all that apply)<\/em><a name=\"6\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions-2\" id=\"q6\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-1\" value=\"Mortgage\">Mortgage<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-2\" value=\"Vehicle Loan\">Vehicle Loan<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-3\" value=\"Line of Credit (Secured)\">Line of Credit (Secured)<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-4\" value=\"Loan (Secured)\">Loan (Secured)<\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p>     <!-- [et_pb_line_break_holder] -->                <\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p>      <!-- [et_pb_line_break_holder] -->            <pee>6. Do you have any of the following unsecured debts? <em>(Check all that apply)<\/em><a name=\"7\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions-2\" id=\"q7\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-1\" value=\"Credit Card\">Credit Card<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-2\" value=\"Line of Credit (Unsecured)\">Line of Credit (Unsecured)<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-3\" value=\"Payday Loan\">Payday Loan<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-4\" value=\"Overdraft (Unsecured)\">Overdraft (Unsecured)<\/label><!-- [et_pb_line_break_holder] -->                  \t<label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-5\" value=\"Service Provider Balance\">Outstanding balance with a service provider (phone\/internet, utilities, gyms, etc.)<\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p>     <!-- [et_pb_line_break_holder] -->                <\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee>7. Do you have any of the following government debts? <em>(Check all that apply)<\/em><a name=\"8\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions-2\" id=\"q8\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-8\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ8-1\" value=\"Canada Revenue Agency (CRA) Debt\">Canada Revenue Agency (CRA) Debt<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-8\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ8-2\" value=\"Student Loan\">Student Loan<\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p>            <!-- [et_pb_line_break_holder] -->            \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p>  <!-- [et_pb_line_break_holder] -->            <pee>8. What have you done up to this point for your debt? <em>(Check all that apply)<\/em><a name=\"9\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions-2\" id=\"q9\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-1\" value=\"contacted a bank\">I have contacted a bank or credit union for help.<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-2\" value=\"contacted a professional\">I have contacted a financial professional.<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-3\" value=\"discussed situation with friends or family\">I have discussed my situation with friends or family.<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-4\" value=\"not sure where to start\">I&#8217;m not sure where to start.<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-5\" value=\"need help understanding things\">I have done some research but need help understanding things.<\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-6\" value=\"dont have income\">I don\u2019t have any income to work with.<\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p>            <!-- [et_pb_line_break_holder] -->            \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"data-box\" id=\"province-question\"><!-- [et_pb_line_break_holder] -->                    <label for=\"province\"><span>9. What province or territory do you live in?<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <select class=\"dropdown-menu-box\" name=\"province\" id=\"province\"><!-- [et_pb_line_break_holder] --><option>&#8211; Select &#8211;<\/option><!-- [et_pb_line_break_holder] --><option label=\"Ontario\" value=\"Ontario\">Ontario<\/option><!-- [et_pb_line_break_holder] --><option label=\"Alberta\" value=\"Alberta\">Alberta<\/option><!-- [et_pb_line_break_holder] --><option label=\"British Columbia\" value=\"British Columbia\">British Columbia<\/option><!-- [et_pb_line_break_holder] --><option label=\"Manitoba\" value=\"Manitoba\">Manitoba<\/option><!-- [et_pb_line_break_holder] --><option label=\"Saskatchewan\" value=\"Saskatchewan\">Saskatchewan<\/option><!-- [et_pb_line_break_holder] --><option label=\"Quebec\" value=\"Quebec\">Quebec<\/option><!-- [et_pb_line_break_holder] --><option label=\"Nova Scotia\" value=\"Nova Scotia\">Nova Scotia<\/option><!-- [et_pb_line_break_holder] --><option label=\"New Brunswick\" value=\"New Brunswick\">New Brunswick<\/option><!-- [et_pb_line_break_holder] --><option label=\"Newfoundland\" value=\"Newfoundland\">Newfoundland<\/option><!-- [et_pb_line_break_holder] --><option label=\"PEI\" value=\"PEI\">PEI<\/option><!-- [et_pb_line_break_holder] --><option label=\"Northwest Territories\" value=\"Northwest Territories\">Northwest Territories<\/option><!-- [et_pb_line_break_holder] --><option label=\"Yukon\" value=\"Yukon\">Yukon<\/option><!-- [et_pb_line_break_holder] --><option label=\"Nunavut\" value=\"Nunavut\">Nunavut<\/option><!-- [et_pb_line_break_holder] --><option label=\"Outside Canada\" value=\"Outside Canada\">Outside Canada<\/option><!-- [et_pb_line_break_holder] -->                    <\/select><!-- [et_pb_line_break_holder] -->                <\/div>\n<p>            <!-- [et_pb_line_break_holder] -->            \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\" id=\"warning-2\" hidden><pee class=\"error-message\">Are you sure you don&#8217;t have any credit card debt, a line of credit, or payday loans? Maybe have another look at question 6 above.<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\" id=\"errorMessage-2\" hidden><pee class=\"error-message\">Please respond to the questions above before proceeding<\/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=\"slide-two-done\" value=\"click\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Continue<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->                 <!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"card-section\" hidden><!-- [et_pb_line_break_holder] -->  <\/p>\n<div id=\"option-cards-intro\" hidden><!-- [et_pb_line_break_holder] -->    <pee id=\"back-to-two\" hidden><a id=\"goback-to-two\" href=\"https:\/\/nomoredebts.org#slide-two\"><span>Back to previous page<\/span><\/a><\/pee>   <!-- [et_pb_line_break_holder] -->    <\/p>\n<h2>A Visual Overview of Possible Options<\/h2>\n<p><!-- [et_pb_line_break_holder] -->    <pee>Here are some options that may be available to you based on the information you have provided about your financial situation. The most likely options are in green, less likely in yellow, and least likely in red. This is only intended to provide you with a general idea of the options that may be available to you. A credit counsellor will need to go over your information in much more detail to make a more precise determination.<\/pee><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"row\" id=\"cards\" hidden><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-counsellor\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-counsellor-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-counsellor-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-counsellor-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-1\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/credit-counselling_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Do a Deeper Dive to Uncover More Options<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-counsellor-paragraph\">It looks as though your situation requires more in-depth analysis from a trained credit counsellor. They can help you optimize your budget, explore options, and create a plan to get back on track.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>A credit counsellor can help you explore all your options to turn your situation around. This may involve helping you uncover opportunities to reduce your expenses, increase your income, and reduce debt. If it makes sense to sell assets, that could be looked at as well. As this discussion and process unfolds, many times opportunities or debt relief options will become possible that were previously not possible. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to see what may be possible for your situation<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-self-managed\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-self-managed-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-self-managed-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-self-managed-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-2\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/grocery-list_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Self-Managed Solution<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-self-managed-paragraph\">After thoroughly exploring your options with a credit counsellor, they can help you put together a plan to get out of debt in a reasonable amount of time. You can then implement this plan on your own.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>A Self-Managed Solution begins after spending an hour with one of our credit counsellors. They will help you put together a realistic budget, explore all your options to resolve your current financial challenges and get out of debt, and then help you put together an action plan to move forward. You then carry out the plan on your own but can review things with a credit counsellor at any time you feel you need some more guidance. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-bank\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-bank-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-bank-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-bank-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-3\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/solve-debt-problems_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Debt Consolidation Loan<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-bank-paragraph\">Based on the information you&#8217;ve provided, it appears as though this could be a possibility if your credit score is strong enough.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>A debt consolidation loan provided by a bank or credit union can be a good way to pay off credit cards, payday loans, or other bills and consolidate all these debts into one loan at a lower interest rate. However, it can be challenging to qualify for one of these loans. An experienced credit counsellor can help you assess this possibility along with your other options to see what may work best for your situation. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-dmp\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-dmp-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-dmp-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-dmp-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t<pee id=\"holding-place-4\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/08\/budgeting-through-hard-times_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Debt Management Program<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-dmp-paragraph\">It appears as though this may be an option for you. A Debt Management Program eliminates or drastically reduces interest and consolidates all payments into one.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->          \t<pee>A Debt Management Program is an interest relief and debt repayment plan that helps you get out of debt within a reasonable amount of time. After a credit counsellor helps you work out a realistic budget, creditors are then negotiated with and asked to reduce your monthly payments to match the repayment plan. Interest is typically either eliminated or substantially reduced under the program. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-proposal\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-proposal-front\"><!-- [et_pb_line_break_holder] -->             <\/p>\n<h3 id=\"option-proposal-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-proposal-color-descriptor\">Option<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-5\"><img decoding=\"async\" class=\"skip-lazy card-icon\" id=\"staying-cp\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/interest-credit-card-and-loan-payment-calculator_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Consumer Proposal<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-proposal-paragraph\">This may be an option for you to consider. It&#8217;s a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>A consumer proposal is legal debt relief option that&#8217;s provided by the <em>Bankruptcy and Insolvency Act<\/em>. It&#8217;s similar to bankruptcy in a number of ways but also has its differences. It can offer some debt relief and even protect assets like your home, but comes with costs and conditions that shouldn&#8217;t be ignored. Get the full picture on this option and its alternatives before making a choice that could change your life. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-insolvency\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-insolvency-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-insolvency-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-insolvency-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-6\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Bankruptcy<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-insolvency-paragraph\">Based on the information you&#8217;ve entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you&#8217;ve exhausted all other options first.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>Bankruptcy is legal debt relief option that&#8217;s provided by the <em>Bankruptcy and Insolvency Act<\/em>. It creates a way for someone who can no longer repay their debts to start over. It effectively erases unsecured debts after an individual makes court supervised payments on those debts for 9 to 24 months. Get the full picture on this option and its alternatives before making a choice that could change your life. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-opd\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-opd-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-opd-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-opd-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-7\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Orderly Payment of Debts<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-opd-paragraph\">Based on what you&#8217;ve entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>An Orderly Payment of Debts (OPD) program is legal consolidation option for unsecured debt provided by the <em>Bankruptcy and Insolvency Act<\/em>. Through the program, a debtor receives legal protection from their creditors and can keep their assets. However, they are required to repay the full amount of their debt plus 5% interest within 5 years. For someone to get on this program, the courts must approve it. <a href=\"#contact-form\" onclick=\"Show_Form()\">You can speak with a credit counsellor to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-voluntary-deposit\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-voluntary-deposit-front\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<h3 id=\"option-voluntary-deposit-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->            <pee class=\"option-text\" id=\"option-voluntary-deposit-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->            <pee id=\"holding-place-8\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-heading\">Voluntary Deposit<\/pee><!-- [et_pb_line_break_holder] -->            <pee class=\"card-text\" id=\"option-voluntary-deposit-paragraph\">Based on the information you&#8217;ve provided, it looks as though a voluntary deposit program may be an option to address your debt situation.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>Voluntary deposit is a government debt relief program available only in Quebec. It allows someone in financial difficulty to repay their unsecured creditors based on how much they owe and their ability to pay. The program reduces interest rates to 5%, provides protection from creditors, and is a way to avoid bankruptcy. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"card-shape\" id=\"option-webinar\"><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-front\" id=\"option-webinar-front\"><!-- [et_pb_line_break_holder] -->          <\/p>\n<h3 id=\"option-webinar-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] -->          <pee class=\"option-text\" id=\"option-webinar-color-descriptor\" style=\"color: #000;\"><b>Bonus Option<\/b><\/pee><!-- [et_pb_line_break_holder] -->          <pee id=\"holding-place-9\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"card-heading\">Online Workshops<\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"card-text\" id=\"option-self-managed-paragraph\">Learn how to improve your financial situation, create a budget, make your dollars stretch further, and get out of debt with one of our many helpful online workshops we call webinars.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] -->            <pee>Our webinars (online workshops) are interactive, allowing you to ask any questions you like, or if you prefer to be anonymous, you can just watch and listen. We offer budgeting webinars covering the very basics through to managing irregular income, fixed income, and the things that tend to break budgets. We also offer webinars covering credit, strategies to get out of debt, ways for couples to manage finances together, and lots of ways to save money &#8211; including on groceries, holidays, and vacations. We offer nearly <a href=\"https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/workshop-webinar-topics\" target=\"_blank\" rel=\"noopener\">30 different webinars<\/a>. Check out <a href=\"https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/webinar-schedule\" target=\"_blank\" rel=\"noopener\">the ones that are coming up next<\/a>.<\/pee><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<div id=\"end-cta-paragraph\"><!-- [et_pb_line_break_holder] -->      <pee><strong>To find out for sure which options may be available to you, figure out how the pros and cons of each option will apply to your specific situation, and see which option will best help you accomplish your financial objectives, speak with one of our certified credit counsellors<\/strong> by calling us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or <a href=\"#contact-me\">fill out the form below<\/a> to request a call back.<\/pee><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"final-slide\" hidden><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] -->      \t<\/p>\n<div id=\"top-spacer\" style=\"height: 50px;\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->      \t\t\t\t\t<\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>More Specifics on How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" hidden><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 <a href=\"#contact-me\">fill out the form below<\/a> to request a call back.<\/span><\/pee><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <script><!-- [et_pb_line_break_holder] -->          \tvar totalDebtAmount = 0;<!-- [et_pb_line_break_holder] -->          \tvar consumerDebtAmount00 = 0;<!-- [et_pb_line_break_holder] -->          \tvar degreeOfHelpNeeded = 0;<!-- [et_pb_line_break_holder] -->            var rentOrOwnButtonClick = 0;<!-- [et_pb_line_break_holder] -->          \tvar provinceSelected 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\tvar xTransportation = 0;<!-- [et_pb_line_break_holder] -->            var xMedicalExp = 0;<!-- [et_pb_line_break_holder] -->          \tvar xSupportPayments = 0;<!-- [et_pb_line_break_holder] -->            var xDebtAmount = 0;<!-- [et_pb_line_break_holder] -->          \tvar xDebtPayments = 0;<!-- [et_pb_line_break_holder] -->            var xOtherAssets = 0;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\tvar xGreenCards = \"\";<!-- [et_pb_line_break_holder] -->          \tvar xYellowCards = \"\";<!-- [et_pb_line_break_holder] -->          \tvar xRedCards = \"\";<!-- [et_pb_line_break_holder] -->          \tvar xWarnings1 = \"\";<!-- [et_pb_line_break_holder] -->          \tvar xWarnings2 = \"\";<!-- [et_pb_line_break_holder] -->          \tvar xGDSR = 0;<!-- [et_pb_line_break_holder] -->          \tvar xTDSR = 0;<!-- [et_pb_line_break_holder] -->          \tvar xDebtToIncome = 0;<!-- [et_pb_line_break_holder] -->          \tvar xInsolvent = \"\";<!-- [et_pb_line_break_holder] -->          \tvar Q1Happened = \"No\";<!-- [et_pb_line_break_holder] -->          \tvar fillerValue = 0;<!-- [et_pb_line_break_holder] -->          \tvar Q7Complete = false;<!-- [et_pb_line_break_holder] -->          \tvar Q9Complete = false;<!-- [et_pb_line_break_holder] -->            var slideOneComplete = false;  <!-- [et_pb_line_break_holder] -->            var slideTwoComplete = false; <!-- [et_pb_line_break_holder] -->            var exploreMoreOptions = \"No\";<!-- [et_pb_line_break_holder] -->          \tvar unsecuredDebtTries = 0;<!-- [et_pb_line_break_holder] -->            var haveDebts = false;<!-- [et_pb_line_break_holder] -->          \tvar backCount = 0;<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->            var slider1 = document.getElementById(\"financialSituationSlider\");<!-- [et_pb_line_break_holder] -->          \tvar slider1_output = (slider1.value \/ 4);<!-- [et_pb_line_break_holder] -->          \tconsole.log(\"slider1.value = \" + slider1.value);<!-- [et_pb_line_break_holder] -->          \t<!-- [et_pb_line_break_holder] -->            var slider2 = document.getElementById(\"financialStressSlider\");<!-- [et_pb_line_break_holder] -->          \tvar slider2_output = (slider2.value \/ 4);<!-- [et_pb_line_break_holder] -->          \tconsole.log(\"slider2.value = \" + slider2.value);<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->          \tvar minDMPpayment<!-- [et_pb_line_break_holder] -->          \tvar financialSituationNumber = slider1.value;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\tvar financialStressNumber = slider2.value;<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->            \/\/ Calculations 1<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->            \/\/ Separates thousands in numbers with a comma<!-- [et_pb_line_break_holder] -->            function thousands_separators(num) {<!-- [et_pb_line_break_holder] -->                var num_parts = num.toString().split(\".\");<!-- [et_pb_line_break_holder] -->                num_parts[0] = num_parts[0].replace(\/B(?=(d{3})+(?!d))\/g, \",\");<!-- [et_pb_line_break_holder] -->                return num_parts.join(\".\");<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t\tvar showButtonClick = 0;<!-- [et_pb_line_break_holder] -->          \t\t\t\t\t\tfunction showButton(){<!-- [et_pb_line_break_holder] -->                        if (showButtonClick == 0) {<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"calculations-bottom-section\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"reCalculateButton\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"showButton\").innerText = \"Hide\";<!-- [et_pb_line_break_holder] -->                          reCalculate();<!-- [et_pb_line_break_holder] -->                          showButtonClick = 1;<!-- [et_pb_line_break_holder] -->                        } else {<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"calculations-bottom-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"reCalculateButton\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"showButton\").innerText = \"Show\";<!-- [et_pb_line_break_holder] -->                          showButtonClick = 0;<!-- [et_pb_line_break_holder] -->                        }<!-- [et_pb_line_break_holder] -->                    \t}<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->                     function reCalculate(){<!-- [et_pb_line_break_holder] -->                        financialSituationNumber = slider1.value;<!-- [et_pb_line_break_holder] -->                       \tconsole.log(\"financialSituationNumber = \" + financialSituationNumber);<!-- [et_pb_line_break_holder] -->                       <!-- [et_pb_line_break_holder] -->                        financialStressNumber = slider2.value;<!-- [et_pb_line_break_holder] -->                       \tconsole.log(\"financialStressNumber = \" + financialStressNumber);<!-- [et_pb_line_break_holder] -->                       <!-- [et_pb_line_break_holder] -->                       \tprovinceSelected = document.getElementById(\"province\").value;<!-- [et_pb_line_break_holder] -->                        console.log(\"Province = \" + provinceSelected);<!-- [et_pb_line_break_holder] -->                       <!-- [et_pb_line_break_holder] -->                        \/\/ Needs Help \/\/<!-- [et_pb_line_break_holder] -->                        var struggling = \"No\";<!-- [et_pb_line_break_holder] -->                        if(degreeOfHelpNeeded >= 7){struggling = \"Yes\";} else {struggling = \"No\";}<!-- [et_pb_line_break_holder] -->                        if(struggling == \"Yes\"){<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"Needs-Help\").innerHTML = \"Yes\";<!-- [et_pb_line_break_holder] -->                        } else {<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"Needs-Help\").innerHTML = \"No\";<!-- [et_pb_line_break_holder] -->                        }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        \/\/ Insolvent? \/\/\/<!-- [et_pb_line_break_holder] -->                        var insolventIndication<!-- [et_pb_line_break_holder] -->                        if(degreeOfHelpNeeded >= 8){<!-- [et_pb_line_break_holder] -->                          insolventIndication = \"Yes\";<!-- [et_pb_line_break_holder] -->                        } else if(degreeOfHelpNeeded >= 6){<!-- [et_pb_line_break_holder] -->                          insolventIndication = \"Maybe\";<!-- [et_pb_line_break_holder] -->                        } else {<!-- [et_pb_line_break_holder] -->                          insolventIndication = \"No\";<!-- [et_pb_line_break_holder] -->                        }<!-- [et_pb_line_break_holder] -->                       <!-- [et_pb_line_break_holder] -->                        var insolvent<!-- [et_pb_line_break_holder] -->                        <!-- [et_pb_line_break_holder] -->                    } \/\/ End of reCalculate function<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\tfunction optionsCards(){          <!-- [et_pb_line_break_holder] -->                       \/\/ Option Cards \/\/<!-- [et_pb_line_break_holder] -->                       var optionsCount = 0;<!-- [et_pb_line_break_holder] -->                       <!-- [et_pb_line_break_holder] -->                       if(bankLoanPossible == \"Yes\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-value\").innerHTML = \"3\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-paragraph\").innerHTML = \"Based on the information you've provided, it appears as though this could be a possibility if your credit score is strong enough.\";<!-- [et_pb_line_break_holder] -->                       } else if(bankLoanPossible == \"Maybe\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-value\").innerHTML = \"8.8\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-paragraph\").innerHTML = \"It looks as though this may be a less likey option for your situation at this time.\";<!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-value\").innerHTML = \"10.8\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-bank-paragraph\").innerHTML = \"Based on the information you entered, it doesn't look like this would be an option at this time.\";<!-- [et_pb_line_break_holder] -->                       }         <!-- [et_pb_line_break_holder] -->                       if(dmpQualifies == \"Yes\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-value\").innerHTML = \"5\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-dmp\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-paragraph\").innerHTML = \"It appears as though you may qualify for this (however, a credit counsellor would need to confirm that). A Debt Management Program eliminates interest and consolidates all payments into one.\";<!-- [et_pb_line_break_holder] -->                       } else if(dmpQualifies == \"Maybe\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-value\").innerHTML = \"8.6\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-dmp\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-paragraph\").innerHTML = \"You'd have to check with a credit counsellor to see if this option would work for your situation. A Debt Management Program eliminates interest and consolidates all payments into one.\";<!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-value\").innerHTML = \"10.6\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-dmp-paragraph\").innerHTML = \"Based on the information you entered, it doesn't look like this would be an option right now. A Debt Management Program eliminates interest and consolidates all payments into one.\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                       if(consumerProposal == \"Yes\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-value\").innerHTML = \"6\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-proposal\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-paragraph\").innerHTML = \"This may be an option for you to consider. It's a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.\";<!-- [et_pb_line_break_holder] -->                       } else if(consumerProposal == \"Maybe\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-value\").innerHTML = \"8.5\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-proposal\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-paragraph\").innerHTML = \"It doesn't really look like this option would work for your situation. You'd need to speak to a credit counsellor to know for sure. A consumer proposal is a legal process that consolidates all payments into one.\";<!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-value\").innerHTML = \"10.5\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-proposal-paragraph\").innerHTML = \"A consumer proposal is a legal process that consolidates all payments into one, but it doesn't look like this would be an option for you at this time.\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                       if(insolvent == \"Yes\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-value\").innerHTML = \"7\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-insolvency\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-paragraph\").innerHTML = \"Based on the information you've entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you've exhausted all other options first.\";<!-- [et_pb_line_break_holder] -->                      } else if(insolvent == \"Maybe\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-value\").innerHTML = \"8.4\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-insolvency\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-paragraph\").innerHTML = \"Based on the information you've entered, it looks like bankruptcy would be a less likely option to resolve your financial challenges. You'd want to exhausted all other options first before pursuing this one.\";<!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-value\").innerHTML = \"10.4\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-insolvency-paragraph\").innerHTML = \"Based on the information you've entered, it doesn't appear as though bankruptcy would be an option to resolve your financial situation at this time.\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                       if(opd == \"Yes\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-value\").innerHTML = \"5.1\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-opd\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-paragraph\").innerHTML = \"Based on what you've entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.\";<!-- [et_pb_line_break_holder] -->                      } else if(opd == \"Maybe\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-value\").innerHTML = \"8.4\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-opd\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-opd-paragraph\").innerHTML = \"Based on the information you've entered, it looks as though an Orderly Payment of Debts program would be a less likely option to resolve your financial challenges. You'd want to exhausted all other options first before pursuing this one.\";<!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\tdocument.getElementById(\"option-opd\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                       if(voluntaryDeposit == \"Yes\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-value\").innerHTML = \"5.2\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-voluntary-deposit\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-paragraph\").innerHTML = \"Based on the information you've provided, it looks as though a voluntary deposit program may be an option to address your debt situation.\";<!-- [et_pb_line_break_holder] -->                      } else if(voluntaryDeposit == \"Maybe\"){<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-value\").innerHTML = \"8.4\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-voluntary-deposit\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-voluntary-deposit-paragraph\").innerHTML = \"Based on the information you've entered, it looks as though a Voluntary Deposit program would be a less likely option to resolve your financial challenges. You'd want to exhausted all other options first before pursuing this one.\";<!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-voluntary-deposit\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                       if(exploreMoreOptions = \"Yes\") {<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-counsellor-value\").innerHTML = \"1\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-counsellor\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-counsellor-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-counsellor-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-counsellor-color-descriptor\").innerHTML = \"Possible Option\";                         <!-- [et_pb_line_break_holder] -->                       } else {<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-counsellor\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                      <!-- [et_pb_line_break_holder] -->                       if(optionsCount <= 4){<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-self-managed-value\").innerHTML = \"2\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-self-managed\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-self-managed-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-self-managed-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-self-managed-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                      } else{\t\t\t\t\t\t\t\t\t\t <!-- [et_pb_line_break_holder] -->                         document.getElementById(\"option-self-managed\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                       }<!-- [et_pb_line_break_holder] -->                       <!-- [et_pb_line_break_holder] -->                       \/\/ Webinar Card<!-- [et_pb_line_break_holder] -->                       document.getElementById(\"option-webinar-value\").innerHTML = \"20\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-webinar\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                       document.getElementById(\"option-webinar-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] -->                       document.getElementById(\"option-webinar-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] -->                       document.getElementById(\"option-webinar-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] -->                      <!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t console.log(\"Options Available: \" + optionsCount);<!-- [et_pb_line_break_holder] -->                       console.log(\"optionsCount: \" + optionsCount); <!-- [et_pb_line_break_holder] -->                       console.log(\"------------\");<!-- [et_pb_line_break_holder] -->                    } \/\/ End of optionsCards function<!-- [et_pb_line_break_holder] -->          <!-- [et_pb_line_break_holder] -->        <\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"meter-and-calc-section\" hidden>     <!-- [et_pb_line_break_holder] -->               <!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"spacer\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"calculations\" id=\"hidden-calculations\" hidden><!-- [et_pb_line_break_holder] -->          <\/p>\n<div id=\"calculations-top-section\"><!-- [et_pb_line_break_holder] -->            <\/p>\n<div style=\"float: left; width: 80%;\"><!-- [et_pb_line_break_holder] -->                <\/p>\n<h4 style=\"padding-top: 5px;\">Calculations &#8211; Hidden from Users<\/h4>\n<p><!-- [et_pb_line_break_holder] -->              \t<button type=\"button\" class=\"button-style\" id=\"reCalculateButton\" onclick=\"reCalculate()\" hidden>Re-Calculate<\/button><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->          \t<\/p>\n<div style=\"float: left; width: 20%; text-align: right; padding-right: 20px; padding-bottom: 10px;\"><!-- [et_pb_line_break_holder] -->              <button type=\"button\" class=\"button-style\" id=\"showButton\" onclick=\"showButton()\">Show<\/button><!-- [et_pb_line_break_holder] -->          \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/p>\n<div id=\"calculations-bottom-section\" hidden><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"column calc-section\"><!-- [et_pb_line_break_holder] -->                <pee><b>General Numbers:<\/b><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Income: $<span class=\"colored-results\" id=\"IncomeAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>People in Household: <span class=\"colored-results\" id=\"PeopleAmountx2\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Housing Expenses: $<span class=\"colored-results\" id=\"HousingExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Food Expenses: $<span class=\"colored-results\" id=\"FoodExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Transportation: $<span class=\"colored-results\" id=\"TransportationExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Medical Expenses: $<span class=\"colored-results\" id=\"MedicalExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Support Payments: $<span class=\"colored-results\" id=\"SupportPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Home Value: $<span class=\"colored-results\" id=\"HomeValueAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Mortgage Balance: $<span class=\"colored-results\" id=\"MortgageBalanceAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Other Assets: $<span class=\"colored-results\" id=\"AssetValueAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Government Debt Amount: $<span class=\"colored-results\" id=\"GovDebtPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Secured Debt Amount: $<span class=\"colored-results\" id=\"SecuredDebtAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Unsecured Debt Amount: $<span class=\"colored-results\" id=\"UnsecuredDebtAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Debt Payments: $<span class=\"colored-results\" id=\"DebtPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Debt Payments as % of Income: <span class=\"colored-results\" id=\"DebtPaymentPercentx\"><\/span>%<\/pee><!-- [et_pb_line_break_holder] -->                <pee hidden>Result: $<span class=\"colored-results\" id=\"resultAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee><b>Debt Consolidation Loan:<\/b><\/pee><!-- [et_pb_line_break_holder] -->                <pee><b><em>Bank Loan:<\/em><\/b><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Assumed Loan Amount: $<span class=\"colored-results\" id=\"LoanAmountx\"><\/span> (Max: $<span id=\"BankLoanmax\"><\/span>)<\/pee><!-- [et_pb_line_break_holder] -->                <pee>Monthly Loan Payment: $<span class=\"colored-results\" id=\"LoanPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>GDSR: <span class=\"colored-results\" id=\"GDSRx\"><\/span>% (Max: <span id=\"GDSRbankmax\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] -->                <pee>TDSR: <span class=\"colored-results\" id=\"TDSRx\"><\/span>% (Max: <span id=\"TDSRbankmax\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Assets >= Loan Amount: <span class=\"colored-results\" id=\"AssetsGreaterThanLoan\"><\/span> (Actual: <span class=\"colored-results\" id=\"AssetsGreaterThanLoanPercent\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] -->                <pee>Qualifies for Bank Loan: <span class=\"colored-results\" id=\"BankLoanQualifiesx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee><b><em>Finance Company Loan:<\/em><\/b><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Assumed Loan Amount: $<span class=\"colored-results\" id=\"LoanAmountxFC\"><\/span> (Max: $<span id=\"FCLoanmax\"><\/span>)<\/pee><!-- [et_pb_line_break_holder] -->                <pee>Monthly Loan Payment: $<span class=\"colored-results\" id=\"FCLoanPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>GDSR: <span class=\"colored-results\" id=\"GDSRxFC\"><\/span>% (Max: <span id=\"GDSRmaxFC\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] -->                <pee>TDSR: <span class=\"colored-results\" id=\"TDSRxFC\"><\/span>% (Max: <span id=\"TDSRmaxFC\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] -->                <pee>Qualifies for Finance Company Loan: <span class=\"colored-results\" id=\"FinanceCoLoanQualifiesx\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <\/p>\n<div class=\"column calc-section\"><!-- [et_pb_line_break_holder] -->                <pee><b>Debt Relief Numbers:<\/b><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Needs Help?: <span class=\"colored-results\" id=\"Needs-Help\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Assets can pay off consumer debt?: <span class=\"colored-results\" id=\"AssetsPayOffConsumerDebt\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee><b>DMP Qualifier<\/b><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Redline (Debt to Income Level): <span class=\"colored-results\" id=\"redlinex\"><\/span>% (Line at 23%)<\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Debt Amount > Min: &#8216;<span class=\"colored-results\" id=\"overDebtMinimum2\"><\/span>&#8216; (5K+ Ideal, 3K Min)<\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Income: $<span class=\"colored-results\" id=\"IncomeAmountx2\"><\/span> &#8211; Survival Expenses: $<span class=\"colored-results\" id=\"SurvivalExpenses\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Income &#8211; Survival Expenses: $<span class=\"colored-results\" id=\"DMPIncomeMinusExpenses\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Minimum DMP Payment: $<span class=\"colored-results\" id=\"MinDMPPayment\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Can afford a DMP: <span class=\"colored-results\" id=\"CanAffordDMP\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Qualifies for DMP: <span class=\"colored-results\" id=\"dmp-qualifies\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee><b>Consumer Proposal:<\/b><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Debt over $5,000?: <span class=\"colored-results\" id=\"overDebtMinimum\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Lowest CP Payment Est.: $<span class=\"colored-results\" id=\"LowestCPPayment\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Enough income for CP payments? : <span class=\"colored-results\" id=\"canAffordCP\"><\/span>, $<span class=\"colored-results\" id=\"DMPIncomeMinusExpenses2\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t<pee>Bkrpt Exemption Amount: $<span class=\"colored-results\" id=\"exemption-amount\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Amount over(+)\/under(-) guideline: $<span class=\"colored-results\" id=\"over-under-amount\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Over $200 above guideline?: <span class=\"colored-results\" id=\"over-200\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee>Qualifies for CP: <span class=\"colored-results\" id=\"cp-qualifies\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee><b>Insolvency<\/b><\/pee><!-- [et_pb_line_break_holder] -->              \t<pee>Insolvent?: <span class=\"colored-results\" id=\"Insolvent\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->                <!-- [et_pb_line_break_holder] -->            <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] -->                    <script><!-- [et_pb_line_break_holder] -->                        jQuery( document ).ready(function( $ ) {<!-- [et_pb_line_break_holder] -->                            var FormComplete = false;<!-- [et_pb_line_break_holder] -->                            function displayResults() {<!-- [et_pb_line_break_holder] -->                              \t\/\/ Page 1<!-- [et_pb_line_break_holder] -->                                var checkBox6 = document.getElementById(\"CheckQ3-1\");<!-- [et_pb_line_break_holder] -->                                var checkBox7 = document.getElementById(\"CheckQ3-2\");<!-- [et_pb_line_break_holder] -->                                var checkBox8 = document.getElementById(\"CheckQ3-3\");<!-- [et_pb_line_break_holder] -->                                var checkBox9 = document.getElementById(\"CheckQ3-4\");<!-- [et_pb_line_break_holder] -->                                var checkBox10 = document.getElementById(\"CheckQ3-5\");<!-- [et_pb_line_break_holder] -->                                var checkBox11 = document.getElementById(\"CheckQ5-1\");<!-- [et_pb_line_break_holder] -->                                var checkBox12 = document.getElementById(\"CheckQ5-2\");<!-- [et_pb_line_break_holder] -->                                var checkBox13 = document.getElementById(\"CheckQ5-3\");<!-- [et_pb_line_break_holder] -->                                var checkBox15 = document.getElementById(\"CheckQ6-1\");<!-- [et_pb_line_break_holder] -->                                var checkBox16 = document.getElementById(\"CheckQ6-2\");<!-- [et_pb_line_break_holder] -->                                var checkBox17 = document.getElementById(\"CheckQ6-3\");<!-- [et_pb_line_break_holder] -->                                var checkBox18 = document.getElementById(\"CheckQ6-4\");<!-- [et_pb_line_break_holder] -->                                var checkBox19 = document.getElementById(\"CheckQ7-1\");<!-- [et_pb_line_break_holder] -->                                var checkBox20 = document.getElementById(\"CheckQ7-2\");<!-- [et_pb_line_break_holder] -->                                var checkBox21 = document.getElementById(\"CheckQ7-3\");<!-- [et_pb_line_break_holder] -->                               \tvar checkBox22 = document.getElementById(\"CheckQ7-4\");<!-- [et_pb_line_break_holder] -->                              \tvar checkBox23 = document.getElementById(\"CheckQ7-5\");<!-- [et_pb_line_break_holder] -->                               \tvar checkBox24 = document.getElementById(\"CheckQ8-1\");                            <!-- [et_pb_line_break_holder] -->                               \tvar checkBox25 = document.getElementById(\"CheckQ8-2\");                          <!-- [et_pb_line_break_holder] -->                               \tvar checkBox26 = document.getElementById(\"CheckQ9-1\");                           <!-- [et_pb_line_break_holder] -->                               \tvar checkBox27 = document.getElementById(\"CheckQ9-2\");          <!-- [et_pb_line_break_holder] -->                               \tvar checkBox28 = document.getElementById(\"CheckQ9-3\");<!-- [et_pb_line_break_holder] -->                               \tvar checkBox29 = document.getElementById(\"CheckQ9-4\");                         <!-- [et_pb_line_break_holder] -->                               \tvar checkBox30 = document.getElementById(\"CheckQ9-5\");<!-- [et_pb_line_break_holder] -->                              \tvar checkBox31 = document.getElementById(\"CheckQ9-6\");<!-- [et_pb_line_break_holder] -->                                var Q2Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q3Complete = false;<!-- [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] -->                                    Q2Complete = true;<!-- [et_pb_line_break_holder] -->                                  \tif (checkBox6.checked == true) {degreeOfHelpNeeded = 1;}<!-- [et_pb_line_break_holder] -->                                  \tif (checkBox7.checked == true) {degreeOfHelpNeeded = 5;}<!-- [et_pb_line_break_holder] -->                                  \tif (checkBox8.checked == true) {degreeOfHelpNeeded = 7;}<!-- [et_pb_line_break_holder] -->                                  \tif (checkBox9.checked == true) {degreeOfHelpNeeded = 8;}<!-- [et_pb_line_break_holder] -->                                  \tif (checkBox10.checked == true) {degreeOfHelpNeeded = 9;}<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q2Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '2';<!-- [et_pb_line_break_holder] -->                                    $('#q3')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#af25258f\"})<!-- [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] -->                              \tif (Q2Complete == true) {<!-- [et_pb_line_break_holder] -->                                  slideOneComplete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  slideOneComplete = false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                 \/\/Checks if Question 7 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true || checkBox22.checked == true || checkBox23.checked == true){<!-- [et_pb_line_break_holder] -->                                  \tQ7Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q7Complete = false;<!-- [et_pb_line_break_holder] -->                                }                             <!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 9 has a response<!-- [et_pb_line_break_holder] -->                                if ((checkBox26.checked == true || checkBox27.checked == true || checkBox28.checked == true || checkBox29.checked == true || checkBox30.checked == true || checkBox31.checked == true) && provinceSelected != \"- Select -\"){<!-- [et_pb_line_break_holder] -->                                    Q9Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q9Complete = false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              \tvar vehicle = false;<!-- [et_pb_line_break_holder] -->                              \tvar property = false;<!-- [et_pb_line_break_holder] -->                              \tvar investments = false;<!-- [et_pb_line_break_holder] -->                              \tif (checkBox11.checked == true){vehicle = true;} else {vehicle = false;}<!-- [et_pb_line_break_holder] -->                              \tif (checkBox12.checked == true){property = true;} else {property = false;}<!-- [et_pb_line_break_holder] -->                              \tif (checkBox13.checked == true){investments = true;} else {investments = false;}<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Identifies if someone has not specified any debts<!-- [et_pb_line_break_holder] -->                              \tif(checkBox15.checked == false && checkBox16.checked == false && checkBox17.checked == false && checkBox18.checked == false && checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] -->                                  haveDebts = false;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  haveDebts = true;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              \t<!-- [et_pb_line_break_holder] -->                              \tif (haveDebts = false || Q9Complete == false || provinceSelected == \"- Select -\") {<!-- [et_pb_line_break_holder] -->                                  slideTwoComplete = false;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  slideTwoComplete = true;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                if (slideOneComplete == true && slideTwoComplete == true){<!-- [et_pb_line_break_holder] -->                                    FormComplete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    FormComplete = false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                            <!-- [et_pb_line_break_holder] -->                            console.log(\"Q2 Completed: \" + Q2Complete);<!-- [et_pb_line_break_holder] -->                            console.log(\"Q3 Completed: \" + Q3Complete);<!-- [et_pb_line_break_holder] -->                            console.log(\"Q9 Completed: \" + Q9Complete);<!-- [et_pb_line_break_holder] -->                          \tconsole.log(\"dmpIndications = \" + dmpIndications);<!-- [et_pb_line_break_holder] -->                            console.log(\"slideOneComplete = \" + slideOneComplete);<!-- [et_pb_line_break_holder] -->                          \tconsole.log(\"slideTwoComplete = \" + slideTwoComplete);<!-- [et_pb_line_break_holder] -->                            console.log(\"Form Completed: \" + FormComplete);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        \/\/Calculations 2<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                    \/\/Displays hidden answers that are revealed as needed<!-- [et_pb_line_break_holder] -->                                        var text1 = document.getElementById(\"hidden-1_1\");<!-- [et_pb_line_break_holder] -->                                        if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                            text1.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                          \tconsole.log(\"hidden-1_1 = revealed\");<!-- [et_pb_line_break_holder] -->                                        } else {<!-- [et_pb_line_break_holder] -->                                            text1.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                          \tconsole.log(\"hidden-1_1 = remains hidden\");<!-- [et_pb_line_break_holder] -->                                        }<!-- [et_pb_line_break_holder] -->                                        var text6 = document.getElementById(\"hidden-2_1\");<!-- [et_pb_line_break_holder] -->                                        if ((checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true || checkBox22.checked == true || checkBox23.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 ((checkBox15.checked == true || checkBox16.checked == true || checkBox17.checked == true || checkBox18.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 (checkBox21.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                            text8.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                        } else {<!-- [et_pb_line_break_holder] -->                                            text8.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                        }<!-- [et_pb_line_break_holder] -->                                        var text9 = document.getElementById(\"hidden-2_4\");<!-- [et_pb_line_break_holder] -->                                        if ((checkBox24.checked == true || checkBox25.checked == true) && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                            text9.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                        } else {<!-- [et_pb_line_break_holder] -->                                            text9.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                        }<!-- [et_pb_line_break_holder] -->                                        var text10 = document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] -->                                        if (checkBox23.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 (checkBox6.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 (checkBox7.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 (checkBox8.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 (checkBox9.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 (checkBox10.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] -->                              <!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \tdocument.getElementById(\"goback\").scrollIntoView();<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \tdocument.getElementById(\"errorMessage-2\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \tdocument.getElementById(\"hidden-heading\").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:\"#eaffed\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"#eaffed\"}, 5000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });*\/                                  <!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    var noValue = 0;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->\t<!-- [et_pb_line_break_holder] -->                              \t\/\/Code for jumping back to slide one<!-- [et_pb_line_break_holder] -->                                document.getElementById(\"goback\").onclick = function() {<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"slide-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"first-top-heading\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"slide-two\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"card-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"back-to-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  backCount = backCount + 1;<!-- [et_pb_line_break_holder] -->                                  return false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                               \/\/Code for jumping back to slide two<!-- [et_pb_line_break_holder] -->                                document.getElementById(\"goback-to-two\").onclick = function() {<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"slide-two\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"hidden-heading\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"first-top-heading\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"reveal-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"back-to-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"card-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"contact-form\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  backCount = backCount + 1;<!-- [et_pb_line_break_holder] -->                                  return false;<!-- [et_pb_line_break_holder] -->                               }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                financialSituationNumber = slider1.value;<!-- [et_pb_line_break_holder] -->                        \t\t\t\tfinancialStressNumber = slider2.value;<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/ If person has significant assets or secured debt, then their situation will require more in-depth analysis<!-- [et_pb_line_break_holder] -->                              \tif(checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox15.checked == true || checkBox16.checked == true || checkBox17.checked == true || checkBox18.checked == true) {<!-- [et_pb_line_break_holder] -->                                  exploreMoreOptions = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  exploreMoreOptions = \"No\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                               \t\/\/ When the only debt is a service provider debt<!-- [et_pb_line_break_holder] -->                              \tvar onlyServiceProviderDebt = \"No\";<!-- [et_pb_line_break_holder] -->                              \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == true){<!-- [et_pb_line_break_holder] -->                                  onlyServiceProviderDebt = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  onlyServiceProviderDebt = \"No\";<!-- [et_pb_line_break_holder] -->                                }               <!-- [et_pb_line_break_holder] -->                              \t<!-- [et_pb_line_break_holder] -->                              \t\/\/Checks to see if a debt consolidation loan is a possibility<!-- [et_pb_line_break_holder] -->                              \tif(financialSituationNumber <= 20 || financialStressNumber <= 20 || checkBox11.checked == true || checkBox13.checked == true) {<!-- [et_pb_line_break_holder] -->                                  bankLoanPossible = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ A debt consolidation loan is ruled out in these cases<!-- [et_pb_line_break_holder] -->                              \tif(bankLoanPossible == \"Yes\" && (checkBox21.checked == true || checkBox26.checked == true || checkBox31.checked == true)) {<!-- [et_pb_line_break_holder] -->                                  bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Looks to see if a consumer proposal is a possibility<!-- [et_pb_line_break_holder] -->                              \tif(financialSituationNumber >= 20 || financialStressNumber >= 22 || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true || checkBox24.checked == true || checkBox25.checked == true) {<!-- [et_pb_line_break_holder] -->                                  consumerProposal = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  consumerProposal = \"No\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Looks to see if bankruptcy is a possibility<!-- [et_pb_line_break_holder] -->                              \tif(financialSituationNumber >= 30 || financialStressNumber >= 25 || checkBox24.checked == true || checkBox25.checked == true) {<!-- [et_pb_line_break_holder] -->                                  insolvent = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  insolvent = \"No\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Turns bankruptcy to Maybe if the person owns property<!-- [et_pb_line_break_holder] -->                              \tif(insolvent == \"Yes\" && checkBox12.checked == true){<!-- [et_pb_line_break_holder] -->                                  insolvent = \"Maybe\";<!-- [et_pb_line_break_holder] -->                                  console.log(\"(property) insolvent (should be 'Maybe') = \" + insolvent);<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                  console.log(\"(property) insolvent -> filerValue\");<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Signs of DMP being a possible option<!-- [et_pb_line_break_holder] -->                              \tif(financialSituationNumber >= 14 || financialStressNumber >= 15 || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true || checkBox22.checked == true || checkBox23.checked == true || checkBox26.checked == true || checkBox27.checked == true || checkBox28.checked == true || checkBox29.checked == true || checkBox30.checked == true){<!-- [et_pb_line_break_holder] -->                                  dmpIndications = \"Yes\";<!-- [et_pb_line_break_holder] -->                                \tdmpQualifies = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  dmpIndications = \"No\";<!-- [et_pb_line_break_holder] -->                                  dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                if((financialSituationNumber >= 20 || financialStressNumber >= 22 || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true || checkBox24.checked == true || checkBox25.checked == true) && (provinceSelected == \"Alberta\" || provinceSelected == \"Nova Scotia\")){<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\topd = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  opd = \"No\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"sa-hidden-form\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                if((financialSituationNumber >= 20 || financialStressNumber >= 22 || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true || checkBox24.checked == true || checkBox25.checked == true) && provinceSelected == \"Quebec\"){<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvoluntaryDeposit = \"Yes\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  voluntaryDeposit = \"No\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"sa-hidden-form\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Changes 'insolvent' from 'Yes' to 'Maybe' if the only debt is a service provider debt<!-- [et_pb_line_break_holder] -->                              \tconsole.log(\"insolvent (before service provider debt) = \" + insolvent);<!-- [et_pb_line_break_holder] -->                              \tif(insolvent == \"Yes\" && onlyServiceProviderDebt == \"Yes\") {<!-- [et_pb_line_break_holder] -->                                  insolvent = \"Maybe\";<!-- [et_pb_line_break_holder] -->                                  console.log(\"(serv provider) insolvent (should be 'Maybe') = \" + insolvent);<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                  console.log(\"(serv provider) insolvent -> filerValue\");<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Changes 'consumerProposal' from 'Yes' to 'Maybe' if the only debt is a service provider debt<!-- [et_pb_line_break_holder] -->                              \tconsole.log(\"consumerProposal (before service provider debt) = \" + consumerProposal);<!-- [et_pb_line_break_holder] -->                              \tif(consumerProposal == \"Yes\" && onlyServiceProviderDebt == \"Yes\") {<!-- [et_pb_line_break_holder] -->                                  consumerProposal = \"Maybe\";<!-- [et_pb_line_break_holder] -->                                  console.log(\"(serv provider) consumerProposal (should be 'Maybe') = \" + consumerProposal);<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                  console.log(\"(serv provider) consumerProposal -> filerValue\");<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Eliminates DMP as an option if there are no regular unsecured debts<!-- [et_pb_line_break_holder] -->                              \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false) {<!-- [et_pb_line_break_holder] -->                                  dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }    <!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Eliminates DMP as an option if someone's situation is really good<!-- [et_pb_line_break_holder] -->                              \tif((checkBox6.checked == true || checkBox7.checked == true) && (financialSituationNumber <= 5 || financialStressNumber <= 5) &#038;&#038; checkBox26.checked == false) {<!-- [et_pb_line_break_holder] -->                                  dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }                              <!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                               \t\/\/ Eliminates a consolidation loan as an option if there are no debts to consolidate<!-- [et_pb_line_break_holder] -->                              \tif(checkBox16.checked == false && checkBox17.checked == false && checkBox18.checked == false && checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] -->                                  bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                               \t\/\/ Eliminates a consumer proposal as an option if there are no appropriate debts to deal with<!-- [et_pb_line_break_holder] -->                              \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] -->                                  consumerProposal = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                               \t\/\/ Eliminates bankruptcy, OPD, and Volunary Deposit as options if there are no appropriate debts to deal with<!-- [et_pb_line_break_holder] -->                              \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] -->                                  opd = \"No\";<!-- [et_pb_line_break_holder] -->                                  voluntaryDeposit = \"No\";<!-- [et_pb_line_break_holder] -->                                  insolvent = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }                                          <!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \t\/\/ Turns all debt relief options to No if there is no income<!-- [et_pb_line_break_holder] -->                              \tif(checkBox31.checked == true) {<!-- [et_pb_line_break_holder] -->                                  insolvent = \"No\";<!-- [et_pb_line_break_holder] -->                                  dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] -->                                  consumerProposal = \"No\";<!-- [et_pb_line_break_holder] -->                                  bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                  fillerValue = 0;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                              \toptionsCards();<!-- [et_pb_line_break_holder] -->                              \t<!-- [et_pb_line_break_holder] -->                                \/\/ Call to action<!-- [et_pb_line_break_holder] -->                                var text01 = document.getElementById(\"hidden-cta\");<!-- [et_pb_line_break_holder] -->                              \tvar text03 = document.getElementById(\"sa-hidden-form\");<!-- [et_pb_line_break_holder] -->                              \tvar text04 = document.getElementById(\"contact-me\");<!-- [et_pb_line_break_holder] -->                                if ((checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox10.checked == true || checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox15.checked == true  || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true)  && FormComplete == true && secondPageComplete == true){<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \ttext04.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \ttext04.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<!-- [et_pb_line_break_holder] -->                            } \/\/End of displayResults function  *****************      <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->                          \t\/\/Runs through checkbox responses on completion of first page<!-- [et_pb_line_break_holder] -->                          \t\t$(\"#slide-one-done\").click(function(){<!-- [et_pb_line_break_holder] -->                                displayResults();<!-- [et_pb_line_break_holder] -->                                slideOneComplete = true;<!-- [et_pb_line_break_holder] -->                                console.log(\"slideOneComplete = \" + slideOneComplete);<!-- [et_pb_line_break_holder] -->                                if (slideOneComplete == true && slideTwoComplete == false){<!-- [et_pb_line_break_holder] -->                                  \/\/Proceed to page two<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"slide-two\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  setTimeout(function () {<!-- [et_pb_line_break_holder] -->                                    if (backCount == 0 && slideTwoComplete == false) {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdocument.getElementById(\"back-to-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                      console.log(\"back-to-one VIEWABLE 1\");<!-- [et_pb_line_break_holder] -->                                      console.log(\"backCount = \" + backCount);<!-- [et_pb_line_break_holder] -->                                    } else {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tfillerValue = 0;<!-- [et_pb_line_break_holder] -->                                      console.log(\"backCount = \" + backCount);<!-- [et_pb_line_break_holder] -->                                    }<!-- [et_pb_line_break_holder] -->                                  }, 15000);                                 <!-- 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                         <!-- [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] -->                              $(\"#slide-two-done\").click(function(){<!-- [et_pb_line_break_holder] -->                                  displayResults();<!-- [et_pb_line_break_holder] -->                                  var responseArray = [];<!-- [et_pb_line_break_holder] -->                                  var responses;<!-- [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] -->                                  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] -->                      \t\/\/ Dims screen for form and undims it when X is clicked<!-- [et_pb_line_break_holder] -->                        let spotlightObject = document.getElementById(\"inner-contact-form\");<!-- [et_pb_line_break_holder] -->                        function Show_Form() {<!-- [et_pb_line_break_holder] -->                            spotlightObject.classList.add(\"dim\");<!-- [et_pb_line_break_holder] -->                          \tdocument.getElementById(\"endDim\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                          \tdocument.getElementById(\"sa-hidden-form\").style.boxShadow = \"0px 0px 0px 0px\";<!-- [et_pb_line_break_holder] -->                          \tdocument.getElementById(\"contact-me\").style.padding = \"20px 30px 0px 30px\";<!-- [et_pb_line_break_holder] -->                        }<!-- [et_pb_line_break_holder] -->                      \tdocument.getElementById(\"endDim\").addEventListener(\"click\", closeDim);<!-- [et_pb_line_break_holder] -->                        function  closeDim() {<!-- [et_pb_line_break_holder] -->                          spotlightObject.classList.remove(\"dim\");<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"endDim\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"sa-hidden-form\").style.boxShadow = \"0px 1px 15px 5px #c3c3c3\";<!-- [et_pb_line_break_holder] -->                          document.getElementById(\"contact-me\").style.padding = \"20px 30px 30px 30px\";<!-- [et_pb_line_break_holder] -->                        }<!-- [et_pb_line_break_holder] -->              \t\t\t<\/script><!-- [et_pb_line_break_holder] -->  \t\t\t\t\t\t\t\t\t<\/p>\n<div id=\"contact-form\" hidden><!-- [et_pb_line_break_holder] -->                      <\/p>\n<div id=\"inner-contact-form\"><!-- [et_pb_line_break_holder] -->                        <span id=\"endDim\" hidden>X<\/span><!-- [et_pb_line_break_holder] -->                        <\/p>\n<div id=\"contact-me\" hidden><!-- [et_pb_line_break_holder] -->                          <\/p>\n<h2>Get Help Today<\/h2>\n<p><!-- [et_pb_line_break_holder] -->                          <pee>Give us a call to speak with one of our credit counsellors at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a>, or if you&#8217;d like us to contact you instead, please fill out the form below.<\/pee><!-- [et_pb_line_break_holder] -->                        <\/div>\n<p><!-- [et_pb_line_break_holder] -->                        <\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] -->                        <script><!-- [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: \"2036f915-6e59-4065-9ebb-db74493b7203\"<!-- [et_pb_line_break_holder] -->                          });<!-- [et_pb_line_break_holder] -->                        <\/script><!-- [et_pb_line_break_holder] -->                        <\/div>\n<p><!-- [et_pb_line_break_holder] -->                      <\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->  \t\t\t\t\t\t\t\t\t<\/p>\n<div style=\"height: 100px;\" id=\"bottom-spacer\" hidden><\/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 Helped Interviewed on Global TV and CTV News<\/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>At times, the news media will interview one of the people we helped who are comfortable sharing their story with the public. Below are three of these stories.<\/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 TV talks to Julia Fletcher after she pays off $10,000 in debt with 0 interest negotiated by 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 shows how Dan Robinson paid off $30,000 in debt with no 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;]Charis is interviewed by Global TV after nearly paying off $67,000 on 13 credit cards. The Credit Counselling Society helped her. <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; 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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; 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;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Providing Canadians With Free Credit &#038; Debt Counselling Services Since 1996<\/h2>\n<p>With <number>offices across Canada, the Better Business Bureau&#8217;s highest rating, 98% of our clients surveyed reporting they would recommend us to others, and over 80 awards, the Credit Counselling Society has worked hard to become one of the leading <strong>debt relief and credit counselling service<\/strong> providers in Canada. If you would like help with your debt or simply want to learn how you can manage your money more effectively, call us now at <strong><a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a><\/strong>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; background_image=&#8221;\/wp-content\/uploads\/2020\/07\/Charis-testimonial_1colm.jpg&#8221; background_position=&#8221;top_left&#8221; transform_scale_last_edited=&#8221;off|phone&#8221; transform_translate_last_edited=&#8221;off|phone&#8221; transform_rotate_last_edited=&#8221;off|phone&#8221; transform_skew_last_edited=&#8221;off|phone&#8221; transform_origin_last_edited=&#8221;off|phone&#8221; transform_styles_last_edited=&#8221;off|phone&#8221; z_index=&#8221;-10&#8243; height=&#8221;750px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; 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da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; transform_scale_tablet=&#8221;100%|110%&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_scale_linked_tablet=&#8221;off&#8221; transform_translate_tablet=&#8221;0px|0px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|tablet&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; 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animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1.2em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;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 a Way Out of Debt with Help<\/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;I had just come to the point where I had given up hope \u2013 that there\u2019s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I\u2019d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate, caring person who became sort of my own personal cheerleader.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Charis<\/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;4.16&#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 Information About Us &#038; How We Approach Things<\/h3>\n<p>We&#8217;ve 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&#8217;s 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>We firmly believe that the best debt consolidation and debt help is something that allows an individual or couple to accomplish their financial goals in the long-run while getting their finances back on track as fast as possible in the short-term. It&#8217;s 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 a hard time financially, it&#8217;s important to carefully consider all their options and figure out what&#8217;s 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. To also ensure our organization operates at the highest ethical standards and follows best practices, we have chosen to join, submit ourselves to audits by, and are accountable to <a href=\"https:\/\/creditcounsellingcanada.ca\/\" target=\"_blank\" rel=\"noopener\">Credit Counselling Canada<\/a> and the <a href=\"https:\/\/nomoredebts.org\/about-us\/accredited-credit-counselling\" >National Foundation for Credit Counseling<\/a>. We are also accountable to a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-board-of-directors\" >volunteer board of directors<\/a>, the Canada Revenue Agency, and are the only agency in our industry to open its books up to an external auditor annually. When it comes to earning and keeping your trust, we believe that maintaining the highest standards of transparency and accountability are paramount.<\/p>\n<p>If you\u2019d like one of our professionally trained counsellors to take a look at your situation and help you figure out what all your options are to get back on track, give us a call today at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a>. All you\u2019ve got to lose is your debt.<\/p>\n<p>The <a href=\"https:\/\/www.ccaward.com\/award-winners\/regina-greater-region\/best-credit-and-debt-counselling-services\/credit-counselling-society\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color:#666;\">Credit Counselling Society<\/span><\/a> also provides <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/ontario\/fort-erie\"> alternatives to bankruptcy in Fort Erie, Ontario<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#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; 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background_color=&#8221;rgba(107,65,175,0.7)&#8221; custom_padding=&#8221;200px||200px||false|false&#8221; custom_padding_tablet=&#8221;220px||250px||false|false&#8221; custom_padding_phone=&#8221;200px||300px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.7)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;100%&#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_padding=&#8221;60px||||false|false&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Need some help?<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _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; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>With Canada&#8217;s most trusted and highest accredited non-profit credit counselling service available in Canada here for you, what\u2019s holding you back?<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#hs-chat-open&#8221; button_text=&#8221;Online Chat&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Button 1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; background_layout=&#8221;dark&#8221; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_starting_opacity=&#8221;30%&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Call Us&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Button 2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; background_layout=&#8221;dark&#8221; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_starting_opacity=&#8221;30%&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Accredited by Logos Section&#8221; 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One of the ways we do this is through accountability and transparency. 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