{"id":15024,"date":"2020-12-11T05:24:33","date_gmt":"2020-12-11T05:24:33","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=15024"},"modified":"2025-06-24T15:18:00","modified_gmt":"2025-06-24T22:18:00","slug":"nanaimo","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/nanaimo","title":{"rendered":"Nanaimo Non-Profit, Credit &#038; Debt Counselling Services | BC"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; 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background_position_phone=&#8221;top_center&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_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;]Nanaimo 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_button button_url=&#8221;tel:1-888-527-8999&#8243; button_text=&#8221;1-888-527-8999&#8243; button_alignment=&#8221;center&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Free Debt &amp; Credit Counselling &#8211; Nanaimo<\/h1>\n<p><b>Credit Counselling Nanaimo<\/b> \u2013 Struggling to make your minimum payments? Are debt problems affecting your sleep, health, or relationships? We can help solve debt problems and put an end to your stress. We serve all of Nanaimo and the surrounding areas.<\/p>\n<h2>Canada\u2019s Leading Provider of Non Profit Consumer Credit Counselling &amp; Debt Solutions Services<\/h2>\n<p>We are an award winning <b>non-profit consumer credit and debt counselling service<\/b> providing help with debts, money management, and interest relief in Nanaimo. Our experienced, professionally trained and certified counsellors can help you put together a plan to:<\/p>\n<ul>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-consolidation-canada\/bc\/nanaimo\">Consolidate your debts in Nanaimo<\/a> with one monthly payment<\/li>\n<li>Get your finances back on track and effectively manage your living expenses<\/li>\n<li>Stop collection calls<\/li>\n<li>Save thousands of dollars in interest charges<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Self Assessment Tool Section&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#5B25AF&#8221; custom_margin=&#8221;-100px||||false|false&#8221; custom_margin_tablet=&#8221;-50px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;160px||||false|false&#8221; custom_padding_tablet=&#8221;100px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#FFFFFF&#8221; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_tablet=&#8221;150px&#8221; top_divider_height_phone=&#8221;100px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_module=&#8221;50388&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#8221; custom_padding=&#8221;150px||2px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.1em&#8221; header_2_font_size=&#8221;38px&#8221; header_2_line_height=&#8221;0.9em&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; header_2_font_size_tablet=&#8221;35px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 id=\"top-h2\">Find Out Exactly How We Can Help<br \/><span style=\"font-size: 70%; color:#bca7df;\">by Answering 4 Simple Questions<\/span><\/h2>\n<p>Not sure where to start in finding help for your specific financial situation? 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200px;<!-- [et_pb_line_break_holder] -->    padding: 9px 15px;<!-- [et_pb_line_break_holder] -->    border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->    border-radius: 8px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .error-message {<!-- [et_pb_line_break_holder] -->    color: red;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->        <!-- [et_pb_line_break_holder] -->    .error-message-section {<!-- [et_pb_line_break_holder] -->    padding-bottom: 20px;<!-- [et_pb_line_break_holder] -->    margin: auto;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->        <!-- [et_pb_line_break_holder] -->    #hidden-form {<!-- [et_pb_line_break_holder] -->    padding-top: 30px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    span {<!-- [et_pb_line_break_holder] -->      animation: fadeIn ease 3s;<!-- 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[et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-ms-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->      \t}<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] -->    <!--[if lte IE 8]><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script><!-- [et_pb_line_break_holder] -->    <![endif]--><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] -->    <\/p>\n<form action=\"sa-results.html\" method=\"GET\"><!-- [et_pb_line_break_holder] -->        <script><!-- [et_pb_line_break_holder] -->            function selectOnlyThis(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"Check\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis5(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckA\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis6(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 6; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckB\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        <\/script><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"questions\"><pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#back\"><span>Back to the questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"slide-one-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] -->            <pee><span>1. What is your primary financial concern?<\/span><a name=\"1\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q1\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1a\"><input type=\"checkbox\" id=\"Check1\" name=\"question\" value=\"1) Debts\" onclick=\"selectOnlyThis(this.id)\"><span>Addressing my debts<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1b\"><input type=\"checkbox\" id=\"Check2\" name=\"question\" value=\"1) Budget\" onclick=\"selectOnlyThis(this.id)\"><span>Creating or reviewing my budget<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1c\"><input type=\"checkbox\" id=\"Check3\" name=\"question\" value=\"1) Knowledge\" onclick=\"selectOnlyThis(this.id)\"><span>Improving my financial knowledge (how credit works, credit report, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1d\"><input type=\"checkbox\" id=\"Check4\" name=\"question\" value=\"1) Saving\" onclick=\"selectOnlyThis(this.id)\"><span>Saving for a specific goal, such as retirement, a vacation, or major purchase<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1e\"><input type=\"checkbox\" id=\"Check5\" name=\"question\" value=\"1) Business\" onclick=\"selectOnlyThis(this.id)\"><span>Business-related issues (e.g. debt, operating losses, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>2. Do you currently carry balances on any of the following? <em>(Check all that apply)<\/em><\/span><a name=\"2\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q2\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check6\" value=\"2) Unsecured Debt\"><span>Unsecured debts (e.g. credit cards, unsecured lines of credit or loans, payday loans)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check7\" value=\"2) Secured Debt\"><span>Secured debts (e.g. mortgages or secured lines of credit, car loan)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check8\" value=\"2) Payday Loans\"><span>Payday loans<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check9\" value=\"2) Government Debt\"><span>Government debts (e.g. taxes, student loans, EI)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check10\" value=\"2) Service Provider Debt\"><span>Service providers (e.g. phone\/internet, utilities, gyms etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>3. Which of the following best describes you?<\/span><a name=\"3\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q3\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3a\"><input type=\"checkbox\" id=\"CheckA1\" name=\"question\" value=\"3) No balances\" onclick=\"selectOnlyThis5(this.id)\"><span>I pay off my balances in full each month<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3b\"><input type=\"checkbox\" id=\"CheckA2\" name=\"question\" value=\"3) Balances and good\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance but my debts are in \u201cgood standing\u201d<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3c\"><input type=\"checkbox\" id=\"CheckA3\" name=\"question\" value=\"3) Balances and behind\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance and I am behind in my regular payments<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3d\"><input type=\"checkbox\" id=\"CheckA4\" name=\"question\" value=\"3) Collection activities\" onclick=\"selectOnlyThis5(this.id)\"><span>I am receiving collection calls, letters, or threats to repossess assets<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3e\"><input type=\"checkbox\" id=\"CheckA5\" name=\"question\" value=\"3) Being sued\" onclick=\"selectOnlyThis5(this.id)\"><span>I have been sued by one or more creditors<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee><span>4. What is your household\u2019s primary source of income?<\/span><a name=\"how-we-can-help\">\u00a0<\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q4\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4a\"><input type=\"checkbox\" id=\"CheckB1\" name=\"question\" value=\"4) No income\" onclick=\"selectOnlyThis6(this.id)\"><span>No income<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4b\"><input type=\"checkbox\" id=\"CheckB2\" name=\"question\" value=\"4) Govt asstnc. or disability\" onclick=\"selectOnlyThis6(this.id)\"><span>Government Income Assistance and\/or disability programs (e.g. PWD, ODSP)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4c\"><input type=\"checkbox\" id=\"CheckB3\" name=\"question\" value=\"4) EI or government pension\" onclick=\"selectOnlyThis6(this.id)\"><span>EI or Government pensions (e.g. CPP\/OAS)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4d\"><input type=\"checkbox\" id=\"CheckB4\" name=\"question\" value=\"4) Employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4e\"><input type=\"checkbox\" id=\"CheckB5\" name=\"question\" value=\"4) Self-employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Self-Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4f\"><input type=\"checkbox\" id=\"CheckB6\" name=\"question\" value=\"4) Work pension\" onclick=\"selectOnlyThis6(this.id)\"><span>Work-based pensions<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\"><pee class=\"error-message\" id=\"errorMessage\" style=\"display:none\">First, please respond to the questions above<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] -->                    <button type=\"button\" id=\"showResults\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Show How We Can Help<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div>\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] -->                  <\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" style=\"display:none\"><span>Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_2\" hidden><span>Budgeting is essential for healthy finances, and we can help you with this important step. Our licensed Counsellors can help you make sense of your income and expenses, and review ways to make changes. We also have <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">some fantastic budgeting tools and guides if you want to dive in right now<\/a> before meeting with one of our Counsellors.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-1_3\" hidden><span>The Credit Counselling Society provides financial education through free appointments with our licensed credit counsellors. We also offer free workshops, webinars, and have created an <a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener\">educational website (mymoneycoach.ca)<\/a> with detailed information on many important financial topics.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_4\" hidden><span>There are a few pieces to consider when saving for a specific goal. The Credit Counselling Society can help with budgeting and savings tips, and you may also consider speaking with a financial planner.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_5\" hidden><span>If your business is struggling with debt, we may be able to help, depending on if the debt is personally guaranteed. If you\u2019re primarily looking for operations or planning assistance, a business advisor such as a consultant or accountant may be better able to help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_1\" hidden><span>In regard to your unsecured debts, this kind of debt can vary widely in terms of interest, payments, and terms. The good news is, though, that you have multiple relief options available. However, it can be difficult to weigh the pros and cons of each one. We can help you review the details and proceed with the solution that\u2019s best for you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_2\" hidden><span>For your secured debts, your options are more limited than with unsecured debts, due to the underlying asset (\u201csecurity\u201d). Nonetheless, we can help you explore those options and how they apply to your specific situation.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-2_3\" hidden><span>Regarding your payday loans, they can be challenging to repay without help due to the high interest rates and fees that are often charged. You may find yourself caught in a frustrating \u2018payday loan cycle\u2019 where you\u2019re borrowing money each month to pay the bill from the previous month ending up further behind than when you started. We can help you find options to break this cycle.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_4\" hidden><span>With respect to the money you owe the government, options can become very limited. Even insolvency options such as bankruptcy may not remove some government debts. We generally advise reaching out to the government entity whom you owe to try to arrange payments. We may be able to help you budget for this.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_5\" hidden><span>For the money you owe to service providers, the major factor is whether you want or need to continue with the service provided. If so, your only option is to contact the provider and try to arrange payments. If maintaining service is not necessary, you have more options and we can help you review them.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_1\" hidden><span>You indicate that you pay off your credit balances in full each month. Congratulations! Paying off your balances completely each month for credit cards, lines of credit, and other credit products is a sign of healthy finances. Many Canadians struggle to achieve this regularly. If you have concerns about meeting your future obligations, we\u2019re happy to provide some help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_2\" hidden><span>If you are carrying a balance with your debts, this does not necessarily mean you&#8217;re struggling, but it may be an indication of financial difficulty. We can help you determine if a few adjustments are necessary, or if more significant action is suggested for your situation. We\u2019ll also help you to develop a plan you\u2019re happy with.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_3\" hidden><span>If you&#8217;re struggling with your payments and some end up being late or get missed, this is often a sign of financial distress. Through an appointment, we can help you to determine whether it is possible to catch up, or whether other options need to be explored to reduce your debt.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_4\" hidden><span>If you are receiving collections communication or repossession threats, the situation has become serious and increasingly time-sensitive. We highly recommend contacting us for help with this situation as soon as possible because your creditors are likely to take further action.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_5\" hidden><span>If creditors have initiated legal action, our ability to help becomes limited. You are welcome to call us for guidance but you\u2019re likely going to need legal assistance, which we cannot provide directly. We can connect you with the right professionals for your situation if this ends up being the case.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_1\" hidden><span>If you are currently without income, the top priority is covering your essential living expenses while trying to obtain income. We encourage you to focus on these essentials, and we\u2019re happy to assist you with understanding your financial options.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_2\" hidden><span>The income you receive from the government is intended for basic needs such as food and shelter, and therefore is protected from creditors. We can help you review your budget and consider your options with this type of income and\/or a mix of other income types.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_3\" hidden><span>The income provided by EI or government pensions can meet basic needs, but it might be a reduction from your previous income. We can help you to create or review your existing budget and identify some potential adjustments while providing guidance on any debts you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_4\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_5\" hidden><span>In respect to your self-employment, this type of employment offers freedom and flexibility, but also poses unique challenges for managing your finances. We can help sole proprietors and non-corporate business owners through budgeting and debt solutions. We often advise corporate owners\/directors to contact a more specialized expert in corporate finance.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_6\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-cta\" hidden><span>If you&#8217;d like to speak with a certified credit counsellor right now, call us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or fill out the form below to request a call back. We look forward to hearing from you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                          <\/p>\n<div id=\"hidden-form\" hidden><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t<script><!-- [et_pb_line_break_holder] -->                                var responses; \/* Needed to add data to HubSpot form at the end *\/<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar ClickCount = 0;<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar show_results = document.getElementById(\"showResults\");<!-- [et_pb_line_break_holder] -->                        jQuery( document ).ready(function( $ ) {<!-- [et_pb_line_break_holder] -->                            function displayResults() {<!-- [et_pb_line_break_holder] -->                                var checkBox1 = document.getElementById(\"Check1\");<!-- [et_pb_line_break_holder] -->                                var checkBox2 = document.getElementById(\"Check2\");<!-- 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document.getElementById(\"CheckB4\");<!-- [et_pb_line_break_holder] -->                                var checkBox20 = document.getElementById(\"CheckB5\");<!-- [et_pb_line_break_holder] -->                                var checkBox21 = document.getElementById(\"CheckB6\");<!-- [et_pb_line_break_holder] -->                                var Q1Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q2Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q3Complete = false;<!-- [et_pb_line_break_holder] -->                                var Q4Complete = false;<!-- [et_pb_line_break_holder] -->                                var FormComplete = false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 1 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox1.checked == true || checkBox2.checked == true || checkBox3.checked == true || checkBox4.checked == true || checkBox5.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q1Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q1Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'intro';<!-- [et_pb_line_break_holder] -->                                    $('#q1')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 3 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q3Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q3Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '2';<!-- [et_pb_line_break_holder] -->                                    $('#q3')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 4 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true){<!-- [et_pb_line_break_holder] -->                                    Q4Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q4Complete = false;<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = '3';<!-- [et_pb_line_break_holder] -->                                    \/\/$('#q4').css('background-color', 'red', 4000);<!-- [et_pb_line_break_holder] -->                                    \/\/$('#q4').animate({backgroundColor opacity: \"#ffffff\"}, \"slow\");<!-- [et_pb_line_break_holder] -->                                    $('#q4')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#ff0101\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 3000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/Checks if Question 2 has a response<!-- [et_pb_line_break_holder] -->                                if (checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true){<!-- [et_pb_line_break_holder] -->                                 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    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                \/\/Checks that all manditory sections are complete<!-- [et_pb_line_break_holder] -->                                if (Q1Complete == false || Q3Complete == false || Q4Complete == false){<!-- [et_pb_line_break_holder] -->                                    FormComplete = false;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    FormComplete = true;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                                var text1 = document.getElementById(\"hidden-1_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox1.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text1.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text1.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text2 = document.getElementById(\"hidden-1_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox2.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text2.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text2.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text3 = document.getElementById(\"hidden-1_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox3.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text3.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text3.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text4 = document.getElementById(\"hidden-1_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox4.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text4.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text4.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text5 = document.getElementById(\"hidden-1_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox5.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text5.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text5.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text6 = document.getElementById(\"hidden-2_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox6.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text6.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text6.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text7 = document.getElementById(\"hidden-2_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox7.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text7.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text7.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text8 = document.getElementById(\"hidden-2_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox8.checked == true && FormComplete == true){<!-- 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document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox10.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text11 = document.getElementById(\"hidden-3_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text12 = document.getElementById(\"hidden-3_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox12.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text13 = document.getElementById(\"hidden-3_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox13.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text14 = document.getElementById(\"hidden-3_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox14.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text15 = document.getElementById(\"hidden-3_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox15.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text16 = document.getElementById(\"hidden-4_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text17 = document.getElementById(\"hidden-4_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox17.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text18 = document.getElementById(\"hidden-4_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox18.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text19 = document.getElementById(\"hidden-4_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox19.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text20 = document.getElementById(\"hidden-4_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox20.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text21 = document.getElementById(\"hidden-4_6\");<!-- [et_pb_line_break_holder] -->                                if (checkBox21.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              \t\/\/Code for jumping back to slide one<!-- [et_pb_line_break_holder] -->                                var text101 = document.getElementById(\"slide-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text102 = document.getElementById(\"back-to-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var back_link = document.getElementById(\"goback\");<!-- [et_pb_line_break_holder] -->                                back_link.onclick = function() {<!-- [et_pb_line_break_holder] -->                                  text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  return false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Hides show results button after it's clicked<!-- [et_pb_line_break_holder] -->                                  if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                  back_link.scrollIntoView();<!-- [et_pb_line_break_holder] -->                                \t}<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Call to action<!-- [et_pb_line_break_holder] -->                                var text01 = document.getElementById(\"hidden-cta\");<!-- [et_pb_line_break_holder] -->                                var text02 = document.getElementById(\"hidden-form\");<!-- [et_pb_line_break_holder] -->                              \tvar text03 = document.getElementById(\"sa-hidden-form\");<!-- [et_pb_line_break_holder] -->                                if ((checkBox1.checked == true || checkBox2.checked == true || checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox10.checked == true || checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true  || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true)  && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/ Hidden Header for last section & Error Message<!-- [et_pb_line_break_holder] -->                                var text0 = document.getElementById(\"hidden-heading\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == false){<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \t\/\/Draws the eye to revealed text by putting new section in view then fading in text<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'top-h2';<!-- [et_pb_line_break_holder] -->                                    $('#reveal-section')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#5B25AF\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 5000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                            }         <!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Could use this in show results button: onclick=\"window.location.hash = 'how-we-can-help';\"<!-- [et_pb_line_break_holder] -->                          \t\/\/It then jumps to an achor link in question 4.<!-- [et_pb_line_break_holder] -->                           \t<!-- [et_pb_line_break_holder] -->                            \t\tvar show_r = document.getElementById(\"showResults\")<!-- [et_pb_line_break_holder] -->                            \t\tshow_r.onclick = function() {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\twindow.scrollBy(0, 400);<!-- [et_pb_line_break_holder] -->                            \t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->                            \t\t}<!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Put checkbox responses into an array to send to HubSpot<!-- [et_pb_line_break_holder] -->                              $(\"#showResults\").click(function(){<!-- [et_pb_line_break_holder] -->                                  displayResults();<!-- [et_pb_line_break_holder] -->                                \tClickCount = 1;<!-- [et_pb_line_break_holder] -->                                  var responseArray = [];<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->                                  $.each($(\"input[name='question']:checked\"), function(){<!-- [et_pb_line_break_holder] -->                                      responseArray.push($(this).val());<!-- [et_pb_line_break_holder] -->                                  });<!-- [et_pb_line_break_holder] -->                                  responses = responseArray.join(\", \");<!-- [et_pb_line_break_holder] -->                                            <!-- [et_pb_line_break_holder] -->                                  document.getElementsByName(\"responses_to_4_questions\").value = responses; <!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->                                });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        });<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->\/\/ Code for 5 review stars at the end of HubSpot form                      <!-- [et_pb_line_break_holder] -->(function injectStarRatingWithDescriptions() {<!-- [et_pb_line_break_holder] -->  const observer = new MutationObserver((mutations, obs) => {<!-- [et_pb_line_break_holder] -->    const ratingList = document.querySelector(\".hs_n4_question_app_rating ul\");<!-- [et_pb_line_break_holder] -->    if (!ratingList) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    obs.disconnect();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const lis = ratingList.querySelectorAll(\"li\");<!-- [et_pb_line_break_holder] -->    const fieldName = \"n4_question_app_rating\";<!-- [et_pb_line_break_holder] -->    const labels = [\"1 Star\", \"2 Stars\", \"3 Stars\", \"4 Stars\", \"5 Stars\"];<!-- [et_pb_line_break_holder] -->    let selectedIndex = -1;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Create descriptive label beside stars<!-- [et_pb_line_break_holder] -->    const descriptor = document.createElement(\"div\");<!-- [et_pb_line_break_holder] -->    descriptor.id = \"star-descriptor\";<!-- [et_pb_line_break_holder] -->    descriptor.style.marginLeft = \"12px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.fontSize = \"16px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.fontWeight = \"normal\";<!-- [et_pb_line_break_holder] -->    descriptor.style.color = \"#fff\";<!-- [et_pb_line_break_holder] -->    descriptor.style.minWidth = \"90px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.alignSelf = \"center\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Wrap stars and descriptor side by side<!-- [et_pb_line_break_holder] -->    const wrapper = document.createElement(\"div\");<!-- [et_pb_line_break_holder] -->    wrapper.style.display = \"flex\";<!-- [et_pb_line_break_holder] -->    wrapper.style.alignItems = \"center\";<!-- [et_pb_line_break_holder] -->    ratingList.parentElement.insertBefore(wrapper, ratingList);<!-- [et_pb_line_break_holder] -->    wrapper.appendChild(ratingList);<!-- [et_pb_line_break_holder] -->    wrapper.appendChild(descriptor);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    lis.forEach((li, index) => {<!-- [et_pb_line_break_holder] -->      const existingInput = li.querySelector(\"input\");<!-- [et_pb_line_break_holder] -->      if (existingInput) existingInput.remove();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      const label = li.querySelector(\"label\");<!-- [et_pb_line_break_holder] -->      if (label) {<!-- [et_pb_line_break_holder] -->        label.innerHTML = \"\u2606\";<!-- [et_pb_line_break_holder] -->        label.classList.add(\"custom-star-label\");<!-- [et_pb_line_break_holder] -->        label.setAttribute(\"data-index\", index);<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      const input = document.createElement(\"input\");<!-- [et_pb_line_break_holder] -->      input.type = \"radio\";<!-- [et_pb_line_break_holder] -->      input.name = fieldName;<!-- [et_pb_line_break_holder] -->      input.value = (index + 1).toString();<!-- [et_pb_line_break_holder] -->      input.style.display = \"none\";<!-- [et_pb_line_break_holder] -->      li.appendChild(input);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"click\", () => {<!-- [et_pb_line_break_holder] -->        ratingList.querySelectorAll(\"input\").forEach(inp => {<!-- [et_pb_line_break_holder] -->          inp.checked = false;<!-- [et_pb_line_break_holder] -->          inp.removeAttribute(\"checked\");<!-- [et_pb_line_break_holder] -->          inp.removeAttribute(\"data-gtm-form-interact-field-id\");<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        input.checked = true;<!-- [et_pb_line_break_holder] -->        input.setAttribute(\"checked\", \"checked\");<!-- [et_pb_line_break_holder] -->        input.setAttribute(\"data-gtm-form-interact-field-id\", \"0\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        selectedIndex = index;<!-- [et_pb_line_break_holder] -->        updateStars(index);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = labels[index];<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"mouseover\", () => {<!-- [et_pb_line_break_holder] -->        updateStars(index);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = labels[index];<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"mouseout\", () => {<!-- [et_pb_line_break_holder] -->        updateStars(selectedIndex);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = selectedIndex >= 0 ? labels[selectedIndex] : \"\";<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function updateStars(activeIndex) {<!-- [et_pb_line_break_holder] -->      lis.forEach((li2, i) => {<!-- [et_pb_line_break_holder] -->        const lbl = li2.querySelector(\"label\");<!-- [et_pb_line_break_holder] -->        if (lbl) {<!-- [et_pb_line_break_holder] -->          lbl.innerHTML = i <= activeIndex ? \"\u2605\" : \"\u2606\";<!-- [et_pb_line_break_holder] -->          lbl.classList.toggle(\"selected\", i <= activeIndex);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const initialIndex = Array.from(ratingList.querySelectorAll(\"input\")).findIndex(r => r.checked);<!-- [et_pb_line_break_holder] -->    if (initialIndex >= 0) {<!-- [et_pb_line_break_holder] -->      selectedIndex = initialIndex;<!-- [et_pb_line_break_holder] -->      updateStars(initialIndex);<!-- [et_pb_line_break_holder] -->      descriptor.textContent = labels[initialIndex];<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  observer.observe(document.body, { childList: true, subtree: true });<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] -->              \t\t\t\t<\/script><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] -->                     \t  <script><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\/* Creates HubSpot Form *\/<!-- [et_pb_line_break_holder] -->                        hbspt.forms.create({<!-- [et_pb_line_break_holder] -->                              region: \"na1\",<!-- [et_pb_line_break_holder] -->                              portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->                              formId: \"d9adde1f-5ea2-4342-bbcd-34122da1b389\",<!-- [et_pb_line_break_holder] -->                                  onFormReady: function($form) {<!-- [et_pb_line_break_holder] -->                                  $form.find('input[name=\"responses_to_4_questions\"]').val(responses).change();<!-- [et_pb_line_break_holder] -->                                  }<!-- [et_pb_line_break_holder] -->                              }); <!-- [et_pb_line_break_holder] -->                                       <!-- [et_pb_line_break_holder] -->                         \/* Adds checkbox responses to form after button click*\/ <!-- [et_pb_line_break_holder] -->                         function checkForClick() {<!-- [et_pb_line_break_holder] -->                              if (ClickCount > 0){      \t\t<!-- [et_pb_line_break_holder] -->                              \t\tconst input = document.querySelector('input[name=\"responses_to_4_questions\"]')<!-- [et_pb_line_break_holder] -->                                  input.value = responses;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tinput.dispatchEvent(new Event('input', { bubbles: true }));<!-- [et_pb_line_break_holder] -->                                \t<!-- [et_pb_line_break_holder] -->                                \t\/* console.log(\"checkForClick -> True\");<!-- [et_pb_line_break_holder] -->                                  console.log(responses); *\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                           \t\t}      <!-- [et_pb_line_break_holder] -->                          }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\tsetInterval(checkForClick, 5000);<!-- [et_pb_line_break_holder] -->                          <\/script><!-- [et_pb_line_break_holder] -->                       \t\t<script><!-- [et_pb_line_break_holder] -->\/\/ This injects CSS for the HS form 5 star review \/\/<!-- [et_pb_line_break_holder] -->(function injectStarStyle() {<!-- [et_pb_line_break_holder] -->  const style = document.createElement(\"style\");<!-- [et_pb_line_break_holder] -->  style.innerHTML = `<!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      list-style: none;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating label {<!-- [et_pb_line_break_holder] -->      font-size: 24px !important;<!-- [et_pb_line_break_holder] -->      cursor: pointer;<!-- [et_pb_line_break_holder] -->      user-select: none;<!-- [et_pb_line_break_holder] -->      color: #ccc !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating label.selected {<!-- [et_pb_line_break_holder] -->      color: #f5c518 !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating {<!-- [et_pb_line_break_holder] -->      padding-top: 10px !important;<!-- [et_pb_line_break_holder] -->      padding-bottom: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #star-descriptor {<!-- [et_pb_line_break_holder] -->    \tcolor: rgb(255 255 255 \/ 50%) !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #star-tooltip {<!-- [et_pb_line_break_holder] -->      transition: opacity 0.2s ease;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->     \/* Horizontal layout for English\/French radio buttons *\/<!-- [et_pb_line_break_holder] -->    .hs_preferred_language ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      flex-direction: row !important;<!-- [et_pb_line_break_holder] -->      gap: 20px !important;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->      list-style: none !important;<!-- [et_pb_line_break_holder] -->      flex-wrap: wrap !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/* Style individual options *\/<!-- [et_pb_line_break_holder] -->    .hs_preferred_language li {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      align-items: center !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      font-size: 16px !important;<!-- [et_pb_line_break_holder] -->      color: #fff !important;<!-- [et_pb_line_break_holder] -->      padding-right: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_preferred_language input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->      accent-color: #2ad13d !important; \/* Optional: green for \"yes\" *\/<!-- [et_pb_line_break_holder] -->      width: 16px !important;<!-- [et_pb_line_break_holder] -->      height: 16px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->    \/* Horizontal layout for SMS consent radio buttons *\/<!-- [et_pb_line_break_holder] -->    .hs_sms_opt_in_radio_buttons ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      flex-direction: row !important;<!-- [et_pb_line_break_holder] -->      gap: 20px !important;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->      list-style: none !important;<!-- [et_pb_line_break_holder] -->      flex-wrap: wrap !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/* Style individual options *\/<!-- [et_pb_line_break_holder] -->    .hs_sms_opt_in_radio_buttons li {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      align-items: center !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      font-size: 16px !important;<!-- [et_pb_line_break_holder] -->      color: #fff !important;<!-- [et_pb_line_break_holder] -->      padding-right: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_sms_opt_in_radio_buttons input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->      accent-color: #2ad13d !important; \/* Optional: green for \"yes\" *\/<!-- [et_pb_line_break_holder] -->      width: 16px !important;<!-- [et_pb_line_break_holder] -->      height: 16px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->\/* This fixes the radio buttons jumping on the HubSpot form *\/<!-- [et_pb_line_break_holder] -->\/* Normalize radio input and label behavior *\/<!-- [et_pb_line_break_holder] -->.hs_preferred_language li input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->  margin-right: 10px !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->.hs_sms_opt_in_radio_buttons li input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->  margin-right: 10px !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->  appearance: none;<!-- [et_pb_line_break_holder] -->  -webkit-appearance: none;<!-- [et_pb_line_break_holder] -->  -moz-appearance: none;<!-- [et_pb_line_break_holder] -->  width: 16px;<!-- [et_pb_line_break_holder] -->  height: 16px;<!-- [et_pb_line_break_holder] -->  border-radius: 50%;<!-- [et_pb_line_break_holder] -->  outline: none;<!-- [et_pb_line_break_holder] -->  background-color: #fff;<!-- [et_pb_line_break_holder] -->  transition: border 0.2s ease;<!-- [et_pb_line_break_holder] -->  position: relative;<!-- [et_pb_line_break_holder] -->  vertical-align: middle;<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Custom radio indicator *\/<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]::before {<!-- [et_pb_line_break_holder] -->  content: '';<!-- [et_pb_line_break_holder] -->  position: absolute;<!-- [et_pb_line_break_holder] -->  top: 4px;<!-- [et_pb_line_break_holder] -->  left: 4px;<!-- [et_pb_line_break_holder] -->  width: 8px;<!-- [et_pb_line_break_holder] -->  height: 8px;<!-- [et_pb_line_break_holder] -->  background-color: #4caf50;<!-- [et_pb_line_break_holder] -->  border-radius: 50%;<!-- [et_pb_line_break_holder] -->  display: none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Show dot when selected *\/<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]:checked::before {<!-- [et_pb_line_break_holder] -->  display: block;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Prevent shifting on hover\/focus *\/<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]:hover,<!-- [et_pb_line_break_holder] -->.hs-form input[type=\"radio\"]:focus {<!-- [et_pb_line_break_holder] -->  border-color: #2ad13d;<!-- [et_pb_line_break_holder] -->  box-shadow: none;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->\/* Label normalization *\/<!-- [et_pb_line_break_holder] -->.hs-form label {<!-- [et_pb_line_break_holder] -->  line-height: 1.4;<!-- [et_pb_line_break_holder] -->  margin: 0;<!-- [et_pb_line_break_holder] -->  padding: 0;<!-- [et_pb_line_break_holder] -->  transition: none !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  `;<!-- [et_pb_line_break_holder] -->  document.head.appendChild(style);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] -->                      <\/script><!-- [et_pb_line_break_holder] -->                  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->              <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/form>\n<p><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#e7dff3 0%|rgba(255,255,255,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#e7dff3&#8243; background_color_gradient_end=&#8221;rgba(255,255,255,0.85)&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg&#8221; background_position=&#8221;top_center&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;||170px|||&#8221; custom_padding_tablet=&#8221;||150px||false|false&#8221; custom_padding_phone=&#8221;||120px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;100px&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|tablet&#8221; background_enable_image_tablet=&#8221;off&#8221; background_size_tablet=&#8221;cover&#8221; background_position_tablet=&#8221;center_left&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_text_align=&#8221;center&#8221; custom_margin=&#8221;||16px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>People We&#8217;ve Helped Interviewed on CTV News and Global TV<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;1500px&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Occasionally, the news media will interview one or two Canadians we helped who are comfortable with publicly sharing their stories. Here are several of these experiences with the Credit Counselling Society.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1500px&#8221; custom_padding=&#8221;||30px|||&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;  margin: auto;||  width: 50%;||&#8221; custom_css_main_element_phone=&#8221; &#8220;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-1.jpg&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]Global News speaks with Julia Fletcher after she pays off $10,000 in debt with no interest because of the Credit Counselling Society&#8217;s help. <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 reveals how Dan Robinson paid off $30,000 in debt interest free with help from 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 even more <a href=\"https:\/\/nomoredebts.org\/press-media\">of the Credit Counselling Society in Nanaimo and national news<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;5%&#8221; module_alignment_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element__hover=&#8221;transition: 0.9s;&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;off|hover&#8221; background_enable_image__hover=&#8221;off&#8221; filter_opacity__hover_enabled=&#8221;off|hover&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png&#8221; align=&#8221;center&#8221; admin_label=&#8221;Media Logos&#8221; _builder_version=&#8221;4.16&#8243; positioning=&#8221;absolute&#8221; position_origin_a=&#8221;top_center&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-3-description-3.png&#8221; align=&#8221;center&#8221; src_tablet=&#8221;\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png&#8221; src_phone=&#8221;\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png&#8221; src_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Description&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|phone&#8221; module_alignment=&#8221;center&#8221; filter_opacity=&#8221;0%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; filter_opacity__hover_enabled=&#8221;on|desktop&#8221; filter_opacity__hover=&#8221;100%&#8221; src__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||15px|||&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<div><style>#wprev-slider-10 .wprevpro_star_imgs{color: #FDD314;}#wprev-slider-10 .wprsp-star{color: #FDD314;}#wprev-slider-10 .wprevpro_star_imgs span.svgicons {background: #FDD314;}#wprev-slider-10 .wprev_preview_bradius_T6 {border-radius: 14px;}#wprev-slider-10 .wprev_preview_bg1_T6 {background:#fdfdfd;}#wprev-slider-10 .wprev_preview_bg2_T6 {background:#eeeeee;}#wprev-slider-10 .wprev_preview_tcolor1_T6 {color:#555555;}#wprev-slider-10 .wprev_preview_tcolor2_T6 {color:#555555;}#wprev-slider-10 .wprs_rd_more,.wprs_rd_less,.wprevpro_btn_show_rdpop{color:#0000ee;}<\/style><style>#wprev-slider-10 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp: 3;-webkit-box-orient: vertical;overflow:hidden;hyphens: auto;word-break: auto-phrase;}<\/style><\/div><div class=\"wprevpro wprev-slick-slider \" id=\"wprev-slider-10\"><div id=\"wprevgoslickid_10\"  style=\"display:none;\" class=\"wprevgoslick w3_wprs-row\" data-avatartemplate=\"0\" data-totalreviewsnum=\"9\" data-revsperrow=\"3\" data-wprevmasonry=\"no\" data-loadmore=\"no\" data-avatarnav=\"no\" data-revsameheight=\"yes\" data-slickwprev='{\"slidesToShow\": 3,\"slidesToScroll\": 3,\"dots\": true,\"arrows\": true,\"infinite\": false,\"speed\": 750,\"adaptiveHeight\": false,\"centerMode\": false,\"fade\":false,\"centerPadding\": \"60px\", \"rows\":1}'><div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1637625600_86.jpg\" alt=\"Roz Bones Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Roz Bones<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='86'>\t\t\t\tThey are very helpful and pleasant. Highly recommend!<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/184500263\/posts\/606580801896\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1607299200_87.jpg\" alt=\"Amber Morley Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Amber Morley<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='87'>\t\t\t\tvery helpful, they offer great counselling services to help with debt<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100015155886508\/posts\/1068169873698199\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1598313600_89.jpg\" alt=\"Bev Petow Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Bev Petow<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='89'>\t\t\t\tI highly recommend talking with the CCS to get you started in better understanding what options you may have in the finance realm - which has a language and is an animal all it's own.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100000305070498\/posts\/3431930360160433\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1592870400_90.jpg\" alt=\"Mark Eastham Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Mark Eastham<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='90'>\t\t\t\tI got in over my head and now The Credit Counseling Society is helping me find a way out, very professional<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/1509525938\/posts\/10222714016508260\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1573171200_91.jpg\" alt=\"Dasha HR Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Dasha HR<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='91'>\t\t\t\tYesterday our head office employees attended a very informative presentation for our regular Lunch & Learn wellness seminars on the topic of \"75 Ways to Save Money on Everyday Living\", presented by Anne Arbour of mymoneycoach.ca   Anne's presentation was thorough, relevant and presented with humour and insight. We all took away some valuable tips and would love to have Anne come back and present on one of their other topics about personal financial wellness.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100013840846357\/posts\/752216961916325\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1571270400_92.jpg\" alt=\"Annie Gatfield Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Annie Gatfield<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='92'>\t\t\t\tNon judgemental and informative interview.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100011132057220\/posts\/940301359684257\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1570579200_93.jpg\" alt=\"Mandolin Hart Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Mandolin Hart<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='93'>\t\t\t\tThe Credit Counselling Society has been amazing to work with. I cannot recommend them enough.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/754565065\/posts\/10162520132195066\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1567123200_94.jpg\" alt=\"Warren Chemin Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Warren Chemin<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='94'>\t\t\t\tFeel at ease with them, they are very professional but also human and kind<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/1439564236\/posts\/10214829663482030\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1562889600_95.jpg\" alt=\"Paula Ewaski Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Paula Ewaski<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='95'>\t\t\t\tGot some great advice on how to deal with some financial matters, was all done over the phone. Quick, fast and painless.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/664656007\/posts\/10156048180266008\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<\/div><\/div><script type=\"application\/ld+json\">{\"@context\": \"http:\/\/schema.org\/\",\"@type\": \"LocalBusiness\",\"name\": \"Credit Counselling Society\",\"description\": \"The Credit Counselling Society helps people in Nanaimo put together a realistic budget, explore all their options to deal with their debt, and then create a plan to get out of debt. It is an accredited, non-profit charity and has served over 850,000 Canadians since opening in 1996.\",\"aggregateRating\": {\"@type\": \"AggregateRating\",\"ratingValue\": \"5\",\"reviewCount\": \"148\",\"bestRating\": \"5\",\"worstRating\": \"1\"},\"image\": \"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/01\/cropped-ccs-logo-symbol.png\", \"address\": {\"@type\": \"PostalAddress\",\"addressLocality\": \"Nanaimo\",\"addressRegion\": \"British Columbia\",\"postalCode\": \"V9R 2T5\",\"addressCountry\": \"\",\"streetAddress\": \"203 - 335 Wesley Street\"}, \"telephone\": \"250-741-8558\"}<\/script>\r\n[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Offering Free Consumer Debt &amp; Credit Counselling Services for Over 25 Years<\/h2>\n<p>With 98% of clients surveyed reporting they would recommend our services to others, offices located in communities across Canada, the Better Business Bureau\u2019s highest rating, and over 80 awards, the Credit Counselling Society is one of Canada\u2019s leading <b>credit counselling and debt relief service<\/b> providers. If you need help with your unsecured debts or just want to learn how to manage your money better, which helps with your secured debts too, call us now at <b>250-741-8558<\/b><b> or <\/b><b>1-888-527-8999<\/b>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.19.1&#8243; width=&#8221;65%&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; custom_css_main_element=&#8221;align-items: center;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/nanaimo-office1.jpg&#8221; alt=&#8221;Nanaimo Office&#8221; url=&#8221;https:\/\/www.google.com\/maps\/@49.1648678,-123.9409374,3a,75y,225.7h,88.75t\/data=!3m6!1e1!3m4!1sIR43KtoDrWX3-i1q4Ph95Q!2e0!7i13312!8i6656&#8243; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.22.0&#8243; width=&#8221;80%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;auto&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;right&#8221; min_height=&#8221;300px&#8221; min_height_tablet=&#8221;300px&#8221; min_height_phone=&#8221;auto&#8221; min_height_last_edited=&#8221;on|desktop&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.1&#8243; width_tablet=&#8221;50%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;65%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||2px|||&#8221; custom_padding_tablet=&#8221;50px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Nanaimo Office<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.0&#8243; width_tablet=&#8221;50%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;65%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; custom_padding_tablet=&#8221;50px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Oceanview Executive Centre<br \/>Suite 203 &#8211; 335 Wesley Street<br \/>Nanaimo, BC V9R 2T5<\/p>\n<p><strong>This office is now serving the community with telephone appointments only.<\/strong><\/p>\n<p><strong>Phone: <a href=\"tel:250-741-8558\">250-741-8558<\/a><\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.19.3&#8243; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our Nanaimo office also provides credit counselling services to Gabriola, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/ladysmith\">Ladysmith<\/a>, Chemainus, Lantzville, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/parksville\">Parksville<\/a>, Qualicum Beach, Errington, Coombs, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/port-alberni\">Port Alberni<\/a>, Fanny Bay, <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/courtenay\">Courtenay<\/a>, and <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/comox\">Comox<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; 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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;\">It&#8217;s Okay to Ask for Help with Debt<\/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;Life just happened. My debt got to the point where I started to feel like I was drowning. I didn\u2019t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay \u2013 a lot of work \u2013 but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Yasmine<\/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;4.20.2&#8243; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-30px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>More About the Credit Counselling Society &amp; Our Standards<\/h3>\n<p>We\u2019ve offered non profit consumer credit counselling for well over 25 years. 95% of Canadians who get in touch with us are helped through our non-profit service without being charged a cent. People only choose to pay for our help if they decide to go on our <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp\">Debt Management Program<\/a>. This consolidates each one of someone\u2019s credit card and other unsecured debt payments into a single monthly payment that they can afford. The debt management program either eliminates all credit card interest rates or drastically reduces them.<\/p>\n<p>Although this is a valuable program &#8211; it\u2019s really a simple debt repayment plan &#8211; that helps people become debt free, allows someone to re-establish their credit, manage money more effectively, protects their privacy, and gets their finances back in order as fast as possible, it\u2019s just one of a number of ways that we\u2019re able to help people. We believe that the best debt consolidation in Nanaimo or debt help is an option that allows someone to get back on track as quickly as possible while helping them achieve their long-term financial goals and learn to use their credit wisely.<\/p>\n<p>Unfortunately, our approach is at odds with the way some commission driven financial counselors, debt advisors, credit consultants, and credit advisors out there operate, but we believe that when someone is struggling with financial problems, you need to look at all their options and focus on what\u2019s going to help them the most in the long run. For this reason we don\u2019t pay our staff commission \u2013 only a salary. In addition to this, to ensure our organization meets the highest national and international standards, we decided to join, open ourselves to audits by, and become accountable to the most respected organizations in our industry in Canada and North America, <a href=\"https:\/\/creditcounsellingcanada.ca\/\">Credit Counselling Canada<\/a> and the <a href=\"https:\/\/nomoredebts.org\/about-us\/accredited-credit-counselling\">National Foundation for Credit Counseling<\/a>. We also report to a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-board-of-directors\">volunteer board of directors<\/a> and to the Canada Revenue Agency. We\u2019re the only Canadian organization in our industry to annually open its books to an external auditor. To benefit from one of our highly trained credit and debt counsellors having a look at your financial situation and working with you to see your choices for getting things back on track, give us a call now at 250-741-8558 for a free consultation. Our help is free, confidential, and non-judgmental. The only thing you\u2019ve got to lose is your debt. The <a href=\"https:\/\/www.ccaward.com\/award-winners\/abbotsford-greater-region\/best-credit-and-debt-counselling-services\/credit-counselling-society\">Credit Counselling Society<\/span><\/a> also provides <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/nanaimo\">alternatives to bankruptcy in Nanaimo, BC<\/span><\/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; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; 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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; button_text_color__hover=&#8221;#2AD13D&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#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; 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Two important ways we pursue this is through transparency and accountability. 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