[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/looking-at-credit-card-debt_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” custom_padding=”0px|||||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Debt Solutions & Advice<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n
Ways to get out of debt you might not have known about.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||1px|||” custom_padding_tablet=”||30px||false|false” custom_padding_phone=”||45px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.27.2″ header_2_font_size=”30px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
Did you know that one of Canada\u2019s best kept secrets is that there is\u00a0award-winning advice for dealing with credit card debt<\/strong> available at our fingertips? With personal debt loads and interest rates at record highs and more people than ever are needing\u00a0solutions to their debt problems<\/strong>, it\u2019s time to let the cat out of the bag. Since 1996, thousands of Canadians have trusted the Credit Counselling Society to help them learn how to manage their money better and find alternatives to bankruptcy to deal with their debt.<\/p>\n Getting personal debt help is easy because it\u2019s free to call and ask questions. Meeting with a qualified Credit Counsellor is free and confidential. The advice and educational resources you receive are all at no obligation. At a time when you might feel that you\u2019re just another number to your creditors, one of our clients says it best: \u201cCCS gets it.\u00a0You end up feeling a whole lot better when you have people who are on your side, looking to find the best option for you.\u201d – Janet M.<\/em><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”0px||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”140px||100px||false|false” custom_padding_tablet=”155px||135px||false|false” custom_padding_phone=”141px||||false|false” top_divider_style=”ramp2″ top_divider_color=”#e7dff3″ top_divider_style_last_edited=”off|tablet” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/credit-counsellor-is-listening-and-empathizing_2colm.jpg” alt=”Credit Counsellor Listening & Empathizing” title_text=”credit-counsellor-is-listening-and-empathizing” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ custom_padding_tablet=”||12px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ min_height=”372px” custom_padding=”27px|||||” animation_direction=”top” global_colors_info=”{}”]<\/p>\n Meeting with a qualified credit counsellor at the Credit Counselling Society means that you\u2019ve got someone in your corner helping you deal with your money worries. The counsellor\u2019s goal is to provide you with information and guidance so that you can make the decision that\u2019s best for you.<\/p>\n Your appointment is either in person or over the phone, whatever is easier for you. During the appointment, the counsellor will assess your financial situation and gain an understanding of what you want to achieve. Based on your goals and what you are able to do, the counsellor will give you information about debt solutions and options, like advising you on what affects your credit report and the best debt settlement companies for you. They will answer any questions you have and provide you with a written overview of what you discussed during your appointment. That way you don\u2019t feel pressured to make a decision right away.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”55px||150px||false|false” custom_padding_tablet=”42px||125px||false|false” custom_padding_phone=”” bottom_divider_style=”wave2″ bottom_divider_color=”#ffffff” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n When someone is having trouble paying their debts, the best thing for them to do is to get reliable information and\u00a0advice about options to deal with their debt<\/a>. There is no one solution that works best for everyone, so a Counsellor at the Credit Counselling Society will discuss several debt relief options with each client. Here are some of the options a Counsellor will discuss with their clients in order to help them pay down their debts and even become debt free.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ custom_padding=”45px||130px||false|false” custom_padding_tablet=”0px||128px||false|false” custom_padding_phone=”” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n There are different types of debt consolidation<\/a>. Some require you to borrow more money and use that money to pay off your debts. Other consolidations restructure your debts into a debt management program and rather than borrow more money, you use your existing income to pay your debts off.<\/p>\n Debt consolidation requires the cooperation of your creditors, either to give you a loan or to reduce or waive your interest on a debt management program. Our credit counsellors are happy to explain the differences to you and provide you with advice about which option might be right for you.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/explaining-debt-consolidation_2colm.jpg” alt=”Debt-consolidation” title_text=”explaining-debt-consolidation” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||12px||false|false” custom_margin_phone=”||-10px||false|false” custom_margin_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ background_color=”#e7dff3″ custom_margin=”||||false|false” custom_margin_tablet=”||-120px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”65px||70px||false|false” custom_padding_tablet=”0px||184px||false|false” custom_padding_phone=”12px||||false|false” top_divider_height_tablet=”70px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_color=”#ffffff” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”pay-bills” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/looking-at-solutions_2colm.jpg” alt=”Looking-at-solutions” title_text=”looking-at-solutions” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ custom_padding_tablet=”52px||31px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n When it\u2019s not possible for you to pay off all of what you owe, offering your creditors a settlement might be a good option for you. To offer your creditors a settlement, you must have a lump sum of money available ahead of time to offer them. Your family may be willing to help you or you might be able to sell assets, you might have a tax refund, inheritance or money from an insurance settlement. It is very unwise to offer your creditors a settlement before you have the money available or if your creditors are unlikely to accept your offer based on your circumstances.<\/p>\n The credit counselling Society has qualified debt settlement experts who would be happy to explain settlement offers to you in more detail so that you can decide if it\u2019s a good debt solution for you.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|phone” prev_background_color=”#e7dff3″ next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” background_color=”#ffffff” custom_margin_tablet=”||||false|false” custom_margin_last_edited=”off|tablet” custom_padding=”120px||120px||false|false” custom_padding_tablet=”||2px||false|false” custom_padding_phone=”||1px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Many people have heard the word \u201cbankruptcy,\u201d but they\u2019re unclear about what it actually means to go bankrupt. Bankruptcy is one of the legal debt solutions available in Canada through the\u00a0Bankruptcy and Insolvency Act.\u00a0The other option is to file a consumer proposal.<\/p>\n Both bankruptcy and consumer proposals help people who are in debt, but they are extreme solutions for dealing with debt. Most people would prefer to consider alternatives to bankruptcy first, and we whole-heartedly agree. If some of the other less drastic debt solutions don\u2019t work for someone or if their circumstances have gotten to a point where they need to declare bankruptcy or file a consumer proposal, then our Credit Counsellors will refer you to a reputable Bankruptcy Trustee in your area. If we can\u2019t help you, we want you to receive\u00a0expert debt help and advice from someone we can trust<\/a>.<\/p>\n As another one of our clients stated, \u201cMy experience with your organization has been exceptional! Thank you so much for your support and your excellent staff.\u201d<\/em><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”||70px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_margin=”0px|auto||auto||” custom_padding=”0px||3px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||0px|||” custom_padding=”20px||||false|false” global_colors_info=”{}”]<\/p>\n If you\u2019ve been putting off\u00a0getting advice about how you can solve your debt problems<\/a>, don\u2019t wait any longer. The longer you delay, the worse it can be and the less options you\u2019ll have available to you.<\/p>\n We can help answer questions like:<\/p>\n What is the best debt settlement company for me? What is unsecured debt? How do I create a debt management plan?<\/p>\n Giving us a call and asking some questions, doesn\u2019t cost you anything.\u00a0Chat with us online<\/a>\u00a0or\u00a0call toll free<\/a>. We are a non-profit credit counselling agency and are happy to help you find the debt solution that will work best for you!<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”CTA – Back on track” _builder_version=”4.16″ background_color=”rgba(0,0,0,0)” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_320755361_extra-scaled.jpg” parallax=”on” parallax_method=”off” transform_translate_linked=”off” z_index=”0″ max_width=”100%” custom_padding=”250px||250px||true|false” top_divider_style=”ramp2″ top_divider_color=”#e4f8e0″ top_divider_height=”130px” top_divider_arrangement=”above_content” bottom_divider_style=”ramp2″ bottom_divider_color=”#5b25af” bottom_divider_height=”140px” bottom_divider_arrangement=”below_content” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” background_last_edited=”on|phone” parallax_tablet=”off” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ admin_label=”CTA Components” _builder_version=”4.4.7″ background_enable_color=”off” z_index=”0″ width=”90%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||-18px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||false|false” animation_direction=”top” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” global_module=”11224″ locked=”off” global_colors_info=”{}”][et_pb_column 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text_font_size=”44px” text_line_height=”1.2em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|desktop” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|desktop” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”62%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px|79px|||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”|||3px||” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.24.2″ text_text_color=”#ffffff” text_font_size=”22px” text_line_height=”1.4em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-11px||40px|||” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″ global_colors_info=”{}”]Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can’t fully help you, we’ll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. We’re here to help.[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Talk to Us” button_alignment=”center” _builder_version=”4.21.0″ custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ custom_margin_tablet=”45px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_last_edited=”off|tablet” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA – 2 Column w\/form on Purple” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” z_index=”0″ max_width=”100%” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”70px||120px||false|false” custom_padding_tablet=”0px||40px||false|false” custom_padding_phone=”0px||30px||false|false” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”ramp2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.27.2″ width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|auto||auto|false|false” custom_padding=”30px||||false|false” custom_padding_tablet=”200px||100px||false|false” custom_padding_phone=”200px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|50px||50px|false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n Get the clarity you need.<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”10px||||false|false” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n Speak with a non-profit credit counsellor.<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.27.2″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”430px” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|||” custom_padding=”25px||25px||false|false” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n If you’re overwhelmed by your current financial circumstances or have difficulty maintaining a monthly budget, we can help you by providing personalized tips for paying off credit card debt. We’ll review your financial situation with you and explore all the different ways you can get rid of your debt. There are even debt relief and debt repayment programs that might help.\u00a0<\/p>\n [\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Get Some Help” button_alignment=”center” _builder_version=”4.19.3″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ locked=”off” global_colors_info=”{}” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.27.2″ background_color=”#4e128c” animation_direction=”right” custom_css_main_element=”margin: auto;” border_radii=”on|8px|8px|8px|8px” global_colors_info=”{}” custom_padding__hover=”|||” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”margin-top: 80px;” custom_css_main_element_phone=”margin-top: 80px;||margin-left: 20px;||max-width: 360px;”][et_pb_code _builder_version=”4.27.2″ _module_preset=”default” module_alignment=”center” global_module=”50730″ saved_tabs=”all” global_colors_info=”{}”]Personal Debt Advice
For Credit Cards & All Other Forms of Consumer Debt<\/span><\/h2>\nDebt Solutions and Options<\/h2>\n
Debt Consolidation
\nConsolidating Credit Card Debt<\/span><\/h2>\nDebt Settlement Solutions<\/h2>\n
Legal Insolvency Solutions<\/h2>\n
How to Get Advice about Your Debts<\/h2>\n
Find out how to get debt relief<\/h3>\n