{"id":15057,"date":"2020-12-11T04:20:15","date_gmt":"2020-12-11T04:20:15","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=15057"},"modified":"2025-02-11T05:24:39","modified_gmt":"2025-02-11T13:24:39","slug":"renfrew","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/canada-credit-counselling\/ontario\/renfrew","title":{"rendered":"Renfrew Non-Profit, Credit &#038; Debt Counselling Services | Ontario"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; 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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;]Renfrew 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 provide free, confidential, non-judgmental credit counselling to help you get your finances back on track.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||1px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||1px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h1 style=\"line-height: 90%;\">Credit Counselling Society<br \/><span style=\"font-size: 70%; color: #747474;\">Providing Free Debt and Credit Help to Renfrew, Ontario<\/span><\/h1>\n<p><strong><span style=\"color: #666;\">Credit Counselling Renfrew<\/span><\/strong> &#8211; Stressed about your debts? Maybe your credit is maxed out, you can&#8217;t sleep, or financial worries are affecting your relationships. We can help.<\/p>\n<p>&nbsp;<\/p>\n<h2>Canada&#8217;s Leading Provider of Non Profit Consumer Credit Counselling &amp; Debt Solutions Services<\/h2>\n<p>We are an award winning <strong>non-profit consumer credit and debt counselling service<\/strong> providing help with debts, money management, and interest relief to Renfrew. Our experienced, professionally trained and certified Counsellors can help you put together a plan to:<\/p>\n<ul>\n<li>Create a spending plan to manage all of your living expenses<\/li>\n<li>Get your finances back on track<\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-consolidation-canada\/ontario\/renfrew\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #666;\">Consolidate your debts in Renfrew<\/span><\/a> with just one monthly payment<\/li>\n<li>Save thousands of dollars in interest<\/li>\n<li>Stop collection calls from creditors<\/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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      var checkBox11 = document.getElementById(\"CheckA1\");<!-- [et_pb_line_break_holder] -->                                var checkBox12 = document.getElementById(\"CheckA2\");<!-- [et_pb_line_break_holder] -->                                var checkBox13 = document.getElementById(\"CheckA3\");<!-- [et_pb_line_break_holder] -->                                var checkBox14 = document.getElementById(\"CheckA4\");<!-- [et_pb_line_break_holder] -->                                var checkBox15 = document.getElementById(\"CheckA5\");<!-- [et_pb_line_break_holder] -->                                var checkBox16 = document.getElementById(\"CheckB1\");<!-- [et_pb_line_break_holder] -->                                var checkBox17 = document.getElementById(\"CheckB2\");<!-- [et_pb_line_break_holder] -->                                var checkBox18 = document.getElementById(\"CheckB3\");<!-- [et_pb_line_break_holder] -->                                var checkBox19 = 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] -->                                    Q2Complete = true;<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    Q2Complete = false;<!-- [et_pb_line_break_holder] -->                                    if (Q3Complete == false || Q4Complete == false){<!-- [et_pb_line_break_holder] -->                                      \twindow.location.hash = '1';<!-- [et_pb_line_break_holder] -->                                        $('#q2')<!-- [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] -->                                }<!-- [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){<!-- [et_pb_line_break_holder] -->                                    text8.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text8.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text9 = document.getElementById(\"hidden-2_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox9.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text9.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text9.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text10 = document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] -->                                if (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($(this).val());<!-- [et_pb_line_break_holder] -->                                  });<!-- [et_pb_line_break_holder] -->                                  responses = responseArray.join(\", \");<!-- [et_pb_line_break_holder] -->                                            <!-- [et_pb_line_break_holder] -->                                  document.getElementsByName(\"responses_to_4_questions\").value = responses; <!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->                                });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        });<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->              \t\t\t\t<\/script><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] -->                     \t  <script><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\/* Creates HubSpot Form *\/<!-- [et_pb_line_break_holder] -->                        hbspt.forms.create({<!-- [et_pb_line_break_holder] -->                              region: \"na1\",<!-- [et_pb_line_break_holder] -->                              portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->                              formId: \"d9adde1f-5ea2-4342-bbcd-34122da1b389\",<!-- [et_pb_line_break_holder] -->                                  onFormReady: function($form) {<!-- [et_pb_line_break_holder] -->                                  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                 \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<\/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 Helped Interviewed on Global TV and CTV News<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;1500px&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>At times, the news media will interview one of the people we helped who are comfortable sharing their story with the public. Below are three of these stories.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1500px&#8221; custom_padding=&#8221;||30px|||&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;  margin: auto;||  width: 50%;||&#8221; custom_css_main_element_phone=&#8221; &#8220;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-1.jpg&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]Global News interviews Julia Fletcher after she pays off $10,000 in debt interest free with help from the Credit Counselling Society.  <a href=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_scale_last_edited=&#8221;off|desktop&#8221; transform_translate_last_edited=&#8221;off|desktop&#8221; transform_translate_linked__hover=&#8221;off&#8221; transform_rotate_last_edited=&#8221;off|desktop&#8221; transform_skew_last_edited=&#8221;off|desktop&#8221; transform_origin_last_edited=&#8221;off|desktop&#8221; transform_styles_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-2_3.jpg&#8221; url=&#8221;https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]CTV News interviews Dan Robinson after paying off $30,000 in debt at 0 interest with the help of the Credit Counselling Society. <a href=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" target=\"_blank\" rel=\"noopener noreferrer\">See story<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-4_3.jpg&#8221; url=&#8221;https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]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;\">You can see <a href=\"https:\/\/nomoredebts.org\/press-media\">more of the Credit Counselling Society in the news<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; 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width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|phone&#8221; module_alignment=&#8221;center&#8221; filter_opacity=&#8221;0%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; filter_opacity__hover_enabled=&#8221;on|desktop&#8221; filter_opacity__hover=&#8221;100%&#8221; src__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Providing Free Consumer Credit &#038; Debt Counselling Services for 28 Years<\/h2>\n<p>With over 98% of our clients surveyed stating they would recommend our services to those they know, the Better Business Bureau&#8217;s best rating,<number> many locations across Canada, and top notch service that&#8217;s gotten us over 80 awards, the Credit Counselling Society has a strong track record as one of the leading providers of <strong>credit counselling and debt relief service<\/strong> in Canada. Whether you want to get your finances back on track, make a plan to get out of debt, or simply learn how to work better with your money, call us at <strong><a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a><\/strong>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; background_image=&#8221;\/wp-content\/uploads\/2020\/07\/Charis-testimonial_1colm.jpg&#8221; background_position=&#8221;top_left&#8221; transform_scale_last_edited=&#8221;off|phone&#8221; transform_translate_last_edited=&#8221;off|phone&#8221; transform_rotate_last_edited=&#8221;off|phone&#8221; transform_skew_last_edited=&#8221;off|phone&#8221; transform_origin_last_edited=&#8221;off|phone&#8221; transform_styles_last_edited=&#8221;off|phone&#8221; z_index=&#8221;-10&#8243; height=&#8221;750px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; 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animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1.2em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">There&#8217;s a Way Out of Debt with Help<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">&#8220;I had just come to the point where I had given up hope \u2013 that there\u2019s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I\u2019d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate, caring person who became sort of my own personal cheerleader.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Charis<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; z_index=&#8221;10&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-30px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>More About the Credit Counselling Society &#038; 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 often helped 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 program either eliminates all credit card interest rates or drastically reduces them. Although this is a valuable program that eliminates debt, allows someone to re-establish their credit, protects their privacy, and gets their finances back in order as fast as possible, it&#8217;s just one of a number of ways that we&#8217;re able to help people.<\/p>\n<p>We truly believe that the best debt consolidation or debt help is a solution that enables someone to get back on the right track as soon as possible while at the same time helping them accomplish their long term financial plans. Regrettably, the way we approach this is very different from the way some commission focused debt advisors, credit consultants, financial counselors, and credit advisors out there do things, but we firmly believe that when someone is having a difficult time financially, you need to carefully look into all options available to them and concentrate on what\u2019s going to do the most to help them in the long-term. This is why we don\u2019t pay any of our staff commission &#8211; only straight salaries. To also ensure our organization operates at the highest ethical standards and follows best practices, we have chosen to join, submit ourselves to audits by, and are accountable to <a href=\"https:\/\/creditcounsellingcanada.ca\/\" target=\"_blank\" rel=\"noopener\">Credit Counselling Canada<\/a> and the <a href=\"https:\/\/nomoredebts.org\/about-us\/accredited-credit-counselling\" >National Foundation for Credit Counseling<\/a>. We are also accountable to a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-board-of-directors\" >volunteer board of directors<\/a>, the Canada Revenue Agency, and are the only agency in our industry to open its books up to an external auditor annually. When it comes to earning and keeping your trust, we believe that maintaining the highest standards of transparency and accountability are paramount.<\/p>\n<p>If you\u2019d like to speak with one of our professionally trained credit and debt counsellors, take a look at your financial situation, and see what options you have to get back on track, call us now at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a>. We\u2019re here to help you.<\/p>\n<p>The <a href=\"https:\/\/www.kelownachamber.org\/Financial-Money-Services\/Credit-Counselling-Society-of-British-Columbia-1764\" target=\"_blank\" rel=\"noopener\"><span style=\"color:#666;\">Credit Counselling Society<\/span><\/a> also provides  alternatives to bankruptcy in Renfrew, Ontario<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;CTA &#8211; Need some help?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/man-calling-for-help-from-home-4.jpg&#8221; background_position=&#8221;top_center&#8221; height=&#8221;750px&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_arrangement=&#8221;above_content&#8221; top_divider_height_tablet=&#8221;70px&#8221; 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;][\/et_pb_button][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Call Us&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Button 2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; background_layout=&#8221;dark&#8221; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_starting_opacity=&#8221;30%&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Accredited by Logos Section&#8221; 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One way we do this is through transparency and accountability. 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Maybe your credit is maxed out, you can&#8217;t sleep, or financial worries are affecting your relationships. We can help. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":14846,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-15057","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Renfrew Non-Profit, Credit &amp; Debt Counselling Services | Ontario<\/title>\n<meta name=\"description\" content=\"Credit Counselling Renfrew - We provide award winning, free, confidential consumer credit &amp; debt counseling services. 98% of our clients recommend our service to others. 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