{"id":16878,"date":"2020-09-18T20:54:04","date_gmt":"2020-09-18T20:54:04","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=16879"},"modified":"2025-06-18T20:57:52","modified_gmt":"2025-06-19T03:57:52","slug":"debt-consolidation-canada","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-consolidation-canada","title":{"rendered":"Debt Consolidation Options in Canada &#8211; Non-Profit Advice &#8211; Best Kind of Debt Consolidation Company"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; 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_tablet=&#8221;top_center&#8221; 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;]Debt Consolidation in Canada[\/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;]Get your finances back on track by exploring all your options.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;||150px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||120px||false|false&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#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%;\">Non-Profit Debt Consolidation in Canada \u2013 Expert Guidance<\/h1>\n<h2 style=\"line-height: 90%;\"><span style=\"font-size: 70%; color: #747474; line-height: 90%;\">More than a Debt Consolidation Company &#8211; We Offer Objective Non-Profit Options &amp; Advice<\/span><\/h2>\n<p><!-- Non-profit, objective debt consolidation advice & options in Canada. We offer the best consolidation help and are more than just a company - we're a non-profit service. --><\/p>\n<p>Have you tried to get a <a href=\"https:\/\/nomoredebts.org\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #666;\"><b>debt consolidation loan in Canada<\/b><\/span><\/a> but the bank and the consolidation companies you spoke to weren&#8217;t able to help? Don\u2019t let stress and worry get you down. We can help you.<\/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; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>We&#8217;ll Help You Find the Right Option<\/h2>\n<h3>Solutions for Problems with Debt Consolidation Loans, Credit Cards or Bad Credit<\/h3>\n<p>You have options. One of our <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-counsellor-qualifications-certifications\">experienced, certified debt counsellors<\/a> can help you take an objective look at your situation and <b>show you the various options available to you<\/b>\u2014regardless of whether hitting your credit card limits, bad credit or other challenges have hindered you from finding a <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/what-is-it-how-does-it-work\">debt consolidation loan<\/a>. They can then help you figure out the best choice: one which makes the most sense for your goals.<\/p>\n<h2>We Can Help You Save Money, Manage Finances and Pay Off Debt<\/h2>\n<p>Our counsellors can help you get started right away with a plan to:<\/p>\n<ul>\n<li>Explore all your debt consolidation options to deal with your debt and regain financial stability<\/li>\n<li>Repay your debt with one affordable monthly payment<\/li>\n<li>Effectively manage all of your bills and living expenses<\/li>\n<li>Save thousands in interest<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Self Assessment Tool Section&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#5B25AF&#8221; custom_margin=&#8221;-100px||||false|false&#8221; custom_margin_tablet=&#8221;-50px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;160px||||false|false&#8221; custom_padding_tablet=&#8221;100px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#FFFFFF&#8221; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_tablet=&#8221;150px&#8221; top_divider_height_phone=&#8221;100px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_module=&#8221;50388&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#8221; custom_padding=&#8221;150px||2px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.1em&#8221; header_2_font_size=&#8221;38px&#8221; header_2_line_height=&#8221;0.9em&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; header_2_font_size_tablet=&#8221;35px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 id=\"top-h2\">Find Out Exactly How We Can Help<br \/><span style=\"font-size: 70%; color:#bca7df;\">by Answering 4 Simple Questions<\/span><\/h2>\n<p>Not sure where to start in finding help for your specific financial situation? 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[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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}<!-- [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\";<!-- 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[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] -->                                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new section in view then fading in text<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'top-h2';<!-- [et_pb_line_break_holder] -->                                    $('#reveal-section')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#5B25AF\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 5000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                            }         <!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Could use this in show results button: onclick=\"window.location.hash = 'how-we-can-help';\"<!-- [et_pb_line_break_holder] -->        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});<!-- [et_pb_line_break_holder] -->            <!-- [et_pb_line_break_holder] -->              \t\t\t\t<\/script><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] -->                     \t  <script><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\/* Creates HubSpot Form *\/<!-- [et_pb_line_break_holder] -->                        hbspt.forms.create({<!-- [et_pb_line_break_holder] -->                              region: \"na1\",<!-- [et_pb_line_break_holder] -->                              portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->                              formId: \"d9adde1f-5ea2-4342-bbcd-34122da1b389\",<!-- [et_pb_line_break_holder] -->                                  onFormReady: function($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;||12px||false|false&#8221; custom_padding_phone=&#8221;||0px||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>Global TV and CTV News Interview People We Helped<\/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;]From time to time, the news media interviews some of those we helped who are comfortable sharing their story publicly. Below are three of these experiences with the Credit Counselling Society.[\/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; 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transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-1.jpg&#8221; alt=&#8221;Global News interview video&#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 consolidates and eliminates her debt 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 News Clip<\/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; 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_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; alt=&#8221;Gobal news video&#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 speaks with Global TV after consolidating with us and nearly paying off $67,000 on 13 credit cards. <a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener noreferrer\">See the Segment<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||50px|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">See even more <a href=\"https:\/\/nomoredebts.org\/press-media\">of the Credit Counselling Society on the news<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; 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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;4.22.0&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Providing Canada&#8217;s Best Non-Profit Consumer Debt Consolidation Programs, Credit Counseling Services, and Interest Relief<\/h2>\n<p>The <a href=\"https:\/\/www.bbb.org\/ca\/bc\/new-westminster\/profile\/credit-and-debt-counseling\/credit-counselling-society-0037-136318\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #666;\">Credit Counselling Society<\/span><\/a> has been helping consumers consolidate their debt payments through our non-profit debt management program and through professional, objective advice since 1996. We are <a href=\"https:\/\/nomoredebts.org\/about-us\/accredited-credit-counselling\">accredited by the Better Business Bureau<\/a> and have <a href=\"https:\/\/www.ccaward.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">won over 80 awards for our outstanding service<\/a> and exceptionally high standards.<\/p>\n<p>Our commitment to providing the best credit counselling and <a href=\"https:\/\/fr.nomoredebts.org\/consolidation-des-dettes-canada\" style=\"color: #666;\" target=\"_blank\" rel=\"noopener\">debt relief<\/a> service has resulted in 98% of our clients reporting that they would recommend our services to others.<\/p>\n<p>Please call if you wish to learn more or want to <b>set up an appointment with one of our counsellors<\/b>. These appointments are completely <b>free, non-judgmental, and confidential<\/b>. Call us at 1-888-527-8999<phone>.<\/phone>[\/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\/02\/IMG_0087-Yasmine-3-e1582150961489.png&#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; top_divider_style=&#8221;wave2&#8243; top_divider_arrangement=&#8221;above_content&#8221; top_divider_style_tablet=&#8221;&#8221; top_divider_style_phone=&#8221;&#8221; top_divider_style_last_edited=&#8221;on|phone&#8221; 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inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">It&#8217;s Okay to Ask for Help with Debt<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">&#8220;Life just happened. My debt got to the point where I started to feel like I was drowning. I didn\u2019t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay \u2013 a lot of work \u2013 but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Yasmine<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; z_index=&#8221;10&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.4&#8243; custom_margin=&#8221;||||false|false&#8221; 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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;]Need some help?[\/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;]Get Relief From Your Stress &amp; Debt Today[\/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;]With Canada&#8217;s most trusted non-profit credit counselling service here for you, what\u2019s holding you back?[\/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; 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open_toggle_background_color=&#8221;#E7DFF3&#8243; closed_toggle_background_color=&#8221;#E7DFF3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#666666&#8243; title_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 14px;\"><a href=\"\/debt-consolidation-canada\/alberta\"><span style=\"color: #a9a9a9;\"><span style=\"color: #999999;\">Alberta<\/span><\/span><\/a><span style=\"color: #999999;\"> | <a href=\"\/debt-consolidation-canada\/bc\" style=\"color: #999999;\">British Columbia<\/a> | <a href=\"\/debt-consolidation-canada\/manitoba\" style=\"color: #999999;\">Manitoba<\/a> | <a href=\"\/debt-consolidation-canada\/ontario\" style=\"color: #999999;\">Ontario<\/a> | <a href=\"https:\/\/nomoredebts.org\/debt-consolidation-canada\/quebec\" style=\"color: #999999;\">Quebec<\/a> | <a href=\"\/debt-consolidation-canada\/saskatchewan\" style=\"color: #999999;\">Saskatchewan<\/a> | <a href=\"\/debt-consolidation-canada\/yukon-territory\" style=\"color: #999999;\">Yukon<\/a> | <a href=\"\/debt-consolidation-canada\/northwest-territories\" style=\"color: #999999;\">Northwest Territories<\/a> | <a href=\"\/debt-consolidation-canada\/nunavut\" style=\"color: #999999;\">Nunavut<\/a><\/span><\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;response-div&#8221; _builder_version=&#8221;4.14.7&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;150px&#8221; custom_padding=&#8221;50px||||false|false&#8221; custom_padding_tablet=&#8221;5px||70px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_module=&#8221;42910&#8243; saved_tabs=&#8221;all&#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; 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[et_pb_line_break_holder] -->      \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-2\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-2-not-helpful\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-2-sad.png\"  alt=\"Helpfulness of page - face 2\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-3\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-3-neutral\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/04\/face-icon-selected-3-no-emotion.png\" alt=\"Helpfulness of page - face 3\" width=50px;><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/p>\n<div id=\"section-4\"><!-- [et_pb_line_break_holder] -->            <img decoding=\"async\" id=\"face-4-helpful\" 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-->    s_button.onclick = function() {<!-- [et_pb_line_break_holder] -->      \tmsg_area.style.display = \"none\";<!-- [et_pb_line_break_holder] -->      \ts_button.style.display = \"none\";<!-- [et_pb_line_break_holder] -->      \tthanks.style.display = \"block\";<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->window.addEventListener( \"load\", function () {<!-- [et_pb_line_break_holder] -->  function sendData() {<!-- [et_pb_line_break_holder] -->    const XHR = new XMLHttpRequest();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Bind the FormData object and the form element<!-- [et_pb_line_break_holder] -->    const FD = new FormData( form );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Define what happens on successful data submission<!-- [et_pb_line_break_holder] -->    XHR.addEventListener( \"load\", function(event) {<!-- [et_pb_line_break_holder] -->      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We Offer Objective Non-Profit Options &amp; Advice Have you tried to get a debt consolidation loan in Canada but the bank and the consolidation companies you spoke [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":18806,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" next_background_color=\"#ffffff\" admin_label=\"Banner Image with Heading and Text\" module_class=\"vertical-align\" _builder_version=\"4.6.0\" use_background_color_gradient=\"on\" background_color_gradient_start=\"rgba(91,37,175,0.44)\" background_color_gradient_end=\"rgba(91,37,175,0)\" background_color_gradient_type=\"radial\" background_color_gradient_start_position=\"15%\" background_color_gradient_end_position=\"70%\" background_color_gradient_overlays_image=\"on\" background_image=\"\/wp-content\/uploads\/2020\/07\/exploring-options-to-get-rid-of-debt_hero.jpg\" min_height=\"550px\" bottom_divider_style=\"wave2\" bottom_divider_height_tablet=\"70px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" hover_enabled=\"0\" background_last_edited=\"on|phone\" background_color_gradient_start_position_tablet=\"16%\" background_color_gradient_start_position_phone=\"30%\" background_color_gradient_end_position_tablet=\"80%\" background_color_gradient_end_position_phone=\"90%\" background_size_phone=\"cover\" background_position_tablet=\"top_center\" background_position_phone=\"top_center\" sticky_enabled=\"0\"][et_pb_row custom_padding_last_edited=\"on|phone\" admin_label=\"Row\" _builder_version=\"4.5.3\" 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\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.2\"][et_pb_text admin_label=\"Heading\" _builder_version=\"4.6.0\" text_font=\"|600|||||||\" text_font_size=\"42px\" text_line_height=\"1em\" text_orientation=\"center\" background_layout=\"dark\" module_alignment=\"center\" custom_margin=\"||26px|||\" animation_style=\"slide\" animation_direction=\"top\" animation_intensity_slide=\"25%\" hover_enabled=\"0\" text_text_shadow_style=\"preset2\" sticky_enabled=\"0\" animation_duration_last_edited=\"on|phone\" animation_duration_phone=\"0ms\" animation_intensity_slide_last_edited=\"on|phone\" animation_intensity_slide_phone=\"0%\"]Debt Consolidation in Canada[\/et_pb_text][et_pb_text admin_label=\"Text\" _builder_version=\"4.6.0\" text_font_size=\"22px\" text_line_height=\"1.2em\" text_orientation=\"center\" background_layout=\"dark\" module_alignment=\"center\" custom_margin=\"||||false|false\" custom_padding=\"||||false|false\" animation_style=\"slide\" animation_direction=\"bottom\" animation_intensity_slide=\"25%\" hover_enabled=\"0\" text_text_shadow_style=\"preset2\" animation_duration_last_edited=\"on|phone\" animation_intensity_slide_last_edited=\"on|desktop\" sticky_enabled=\"0\" animation_duration_phone=\"0ms\" animation_intensity_slide_phone=\"0%\"]Get your finances back on track by exploring all your options.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.6.0\" _module_preset=\"default\" custom_padding=\"||||false|false\" hover_enabled=\"0\" sticky_enabled=\"0\"][et_pb_row _builder_version=\"4.6.0\" _module_preset=\"default\" custom_padding=\"||||false|false\" hover_enabled=\"0\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.6.0\" _module_preset=\"default\"][et_pb_text _builder_version=\"4.6.0\" _module_preset=\"default\" header_2_font_size=\"30px\"]\r\n<h1>Canada Debt Consolidation - More than a Debt Consolidation Company - We Offer Objective Non-Profit Options & Advice<\/h1>\r\n<!-- The best debt consolidation loan advice & options in Canada. Providing non-profit, objective service - more than what companies can usually offer. --><!-- Non-profit, objective debt consolidation advice & options in Canada. We offer the best consolidation help and are more than just a company - we're a non-profit service. -->\r\n\r\nHave you tried to get a <a href=\"https:\/\/411.ca\/search\/?q=debt%20consolidation%20canada&st=business\" target=\"_blank\"><span style=\"color:#666;\"><b>debt consolidation loan in Canada<\/b><\/span><\/a> but the bank and the consolidation companies you spoke to weren't able to help? Don\u2019t let stress and worry get you down. We can help you.\r\n<h2>We'll Help You Find the Right Option - Solutions for Problems with Debt Consolidation Loans, Credit Cards or Bad Credit<\/h2>\r\nYou have options. One of our <a href=\"https:\/\/nomoredebts.org\/debt-help\/credit-counselling\/counsellor-qualifications-certification\">experienced, certified debt counsellors<\/a> can help you take an objective look at your situation and <b>show you the various options available to you<\/b>\u2014regardless of whether hitting your credit card limits, bad credit or other challenges have hindered you from finding a debt consolidation loan. They can then help you figure out the best choice: one which makes the most sense for your goals.\r\n<h2>We Can Help You Save Money, Manage Finances and Pay Off Debt<\/h2>\r\nOur counsellors can help you get started right away with a plan to:\r\n<ul>\r\n \t<li>Explore all your debt consolidation options to deal with your debt and regain financial stability<\/li>\r\n \t<li>Repay your debt with one affordable monthly payment<\/li>\r\n \t<li>Effectively manage all of your bills and living expenses<\/li>\r\n \t<li>Save thousands in interest<\/li>\r\n<\/ul>\r\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\" prev_background_color=\"#ffffff\" admin_label=\"CTA 1 - You're not alone\" _builder_version=\"4.6.0\" background_enable_color=\"off\" background_image=\"\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg\" parallax=\"on\" parallax_method=\"off\" max_width=\"100%\" custom_margin=\"-100px||||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"-35px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"299px||200px||false|false\" custom_padding_tablet=\"||||false|false\" custom_padding_phone=\"220px||170px||false|false\" top_divider_style=\"ramp2\" top_divider_height=\"180px\" top_divider_flip=\"horizontal\" top_divider_color_tablet=\"#ffffff\" top_divider_color_phone=\"#ffffff\" top_divider_color_last_edited=\"on|phone\" top_divider_height_tablet=\"150px\" top_divider_height_phone=\"100px\" top_divider_height_last_edited=\"on|phone\" bottom_divider_style=\"curve2\" bottom_divider_color=\"#e7dff3\" bottom_divider_height=\"150px\" bottom_divider_arrangement=\"above_content\" bottom_divider_style_last_edited=\"off|tablet\" bottom_divider_height_tablet=\"105px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|tablet\" scroll_blur=\"0|40|60|100|100px|0px|0px\"][et_pb_row _builder_version=\"4.4.1\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.1\"][et_pb_text admin_label=\"Title\" _builder_version=\"4.6.0\" text_font=\"|700|||||||\" text_text_color=\"rgba(255,255,255,0.7)\" 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\" z_index=\"1\" text_orientation=\"center\" background_layout=\"dark\" max_width=\"60%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|desktop\" module_alignment=\"center\" animation_direction=\"bottom\" animation_duration_tablet=\"1000ms\" animation_duration_phone=\"\" animation_duration_last_edited=\"on|tablet\" text_text_shadow_style=\"preset2\" inline_fonts=\"Work Sans\"]Looking to get back on track?[\/et_pb_text][et_pb_text admin_label=\"Title\" _builder_version=\"4.6.0\" text_font=\"|700|||||||\" text_text_color=\"rgba(255,255,255,0.9)\" 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\" z_index=\"1\" text_orientation=\"center\" background_layout=\"dark\" max_width=\"60%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|phone\" module_alignment=\"center\" custom_margin=\"-15px||||false|false\" animation_direction=\"bottom\" animation_duration_tablet=\"1000ms\" animation_duration_phone=\"\" animation_duration_last_edited=\"on|tablet\" animation_delay_tablet=\"1000ms\" animation_delay_phone=\"\" animation_delay_last_edited=\"on|tablet\" text_text_shadow_style=\"preset2\" inline_fonts=\"Work Sans\"]Get Started[\/et_pb_text][et_pb_text admin_label=\"Subtitle\" _builder_version=\"4.6.0\" text_text_color=\"#ffffff\" text_font_size=\"18px\" text_line_height=\"1.6em\" header_font=\"||||||||\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" 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=\"-15px||||false|false\" animation_direction=\"bottom\" animation_duration_tablet=\"1500ms\" animation_duration_phone=\"\" animation_duration_last_edited=\"on|tablet\" animation_delay_tablet=\"2000ms\" animation_delay_phone=\"\" animation_delay_last_edited=\"on|tablet\" text_text_shadow_style=\"preset2\"]Get started now by speaking with one of our credit counsellors. Our appointments are free and confidential, and all of our counsellors are friendly and non-judgmental.[\/et_pb_text][et_pb_button button_url=\"\/contact-us#options\" button_text=\"Make an Appointment\" button_alignment=\"center\" _builder_version=\"4.6.0\" custom_button=\"on\" button_text_color=\"#ffffff\" button_bg_color=\"#2ad13d\" button_border_width=\"0px\" button_border_radius=\"8px\" button_font=\"|600|||||||\" button_icon=\"%%20%%\" z_index=\"1\" animation_style=\"fade\" animation_duration=\"2000ms\" animation_starting_opacity=\"30%\" animation_duration_tablet=\"1000ms\" animation_duration_phone=\"\" animation_duration_last_edited=\"on|tablet\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" next_background_color=\"#ffffff\" _builder_version=\"4.6.0\" background_color=\"rgba(91,37,175,0.15)\" use_background_color_gradient=\"on\" background_color_gradient_start=\"#e7dff3\" background_color_gradient_end=\"rgba(255,255,255,0.85)\" background_color_gradient_overlays_image=\"on\" background_image=\"\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg\" background_position=\"top_center\" z_index=\"0\" custom_padding=\"||170px|||\" custom_padding_tablet=\"||150px||false|false\" custom_padding_phone=\"||120px||false|false\" bottom_divider_style=\"curve2\" bottom_divider_height=\"100px\" bottom_divider_height_tablet=\"70px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" background_last_edited=\"on|tablet\" background_enable_image_tablet=\"off\" background_size_tablet=\"cover\" background_position_tablet=\"center_left\"][et_pb_row _builder_version=\"4.6.0\" hover_enabled=\"0\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.1\"][et_pb_text _builder_version=\"4.4.1\" header_2_text_align=\"center\" custom_margin=\"||16px|||\"]\r\n<h2>Global TV and CTV News Interview People We Helped<\/h2>\r\n[\/et_pb_text][et_pb_text _builder_version=\"4.6.0\" text_orientation=\"center\" max_width=\"1500px\" animation_direction=\"bottom\"]\r\n\r\nFrom time to time, the news media interviews some of those we helped who are comfortable sharing their story publicly. Below are three of these experiences with the Credit Counselling Society.\r\n\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_3,1_3,1_3\" make_equal=\"on\" _builder_version=\"4.6.0\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" max_width=\"1500px\" custom_padding=\"||30px|||\" use_custom_width=\"on\" custom_width_px=\"1280px\" transform_styles__hover_enabled=\"on|hover\" transform_scale__hover_enabled=\"on|desktop\" transform_translate__hover_enabled=\"on|hover\" transform_rotate__hover_enabled=\"on|desktop\" transform_skew__hover_enabled=\"on|desktop\" transform_origin__hover_enabled=\"on|desktop\" custom_css_main_element_last_edited=\"on|phone\" custom_css_main_element_tablet=\"  margin: auto;||  width: 50%;||\" custom_css_main_element_phone=\" \"][et_pb_column type=\"1_3\" _builder_version=\"4.4.2\" background_color=\"#ffffff\" transform_translate_linked__hover=\"off\" custom_padding=\"0px|0px|0px|0px|false|false\" animation_style=\"zoom\" animation_direction=\"top\" animation_intensity_zoom=\"5%\" custom_css_main_element=\"max-width: 530px;\" border_radii=\"on|8px|8px|8px|8px\" box_shadow_style=\"preset2\" custom_padding__hover=\"|||\" background__hover_enabled=\"off|desktop\" background_enable_color__hover=\"off\" transform_styles__hover_enabled=\"on|hover\" transform_scale__hover_enabled=\"on|desktop\" transform_translate__hover_enabled=\"on|hover\" transform_rotate__hover_enabled=\"on|desktop\" transform_skew__hover_enabled=\"on|desktop\" transform_origin__hover_enabled=\"on|desktop\" transform_translate__hover=\"0px|-10px\"][et_pb_image src=\"\/wp-content\/uploads\/2020\/09\/client-1.jpg\" url=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" url_new_window=\"on\" _builder_version=\"4.4.2\"][\/et_pb_image][et_pb_text _builder_version=\"4.4.2\" header_3_text_align=\"left\" header_3_text_color=\"rgba(0,0,0,0.8)\" header_3_line_height=\"1.3em\" header_4_font=\"|600|||||||\" header_4_font_size=\"22px\" width=\"80%\" max_width=\"80%\" module_alignment=\"center\" custom_margin=\"||30px||false|false\" content__hover_enabled=\"off|desktop\" header_3_text_color__hover_enabled=\"on|hover\" header_3_text_color__hover=\"#2ad13d\"]Global News interviews Julia Fletcher after she consolidates and eliminates her debt 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 News Clip<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.4.2\" background_color=\"#ffffff\" transform_scale_last_edited=\"off|desktop\" transform_translate_last_edited=\"off|desktop\" transform_translate_linked__hover=\"off\" transform_rotate_last_edited=\"off|desktop\" transform_skew_last_edited=\"off|desktop\" transform_origin_last_edited=\"off|desktop\" transform_styles_last_edited=\"off|desktop\" animation_style=\"zoom\" animation_direction=\"top\" animation_intensity_zoom=\"5%\" custom_css_main_element=\"max-width: 530px;\" border_radii=\"on|8px|8px|8px|8px\" box_shadow_style=\"preset2\" transform_styles__hover_enabled=\"on|hover\" transform_scale__hover_enabled=\"on|desktop\" transform_translate__hover_enabled=\"on|hover\" transform_rotate__hover_enabled=\"on|desktop\" transform_skew__hover_enabled=\"on|desktop\" transform_origin__hover_enabled=\"on|desktop\" transform_translate__hover=\"0px|-10px\"][et_pb_image src=\"\/wp-content\/uploads\/2020\/09\/client-2_3.jpg\" url=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" url_new_window=\"on\" _builder_version=\"4.4.2\"][\/et_pb_image][et_pb_text _builder_version=\"4.4.2\" header_font=\"|600|||||||\" header_3_text_align=\"left\" header_3_text_color=\"rgba(0,0,0,0.8)\" header_3_line_height=\"1.3em\" header_4_font=\"|600|||||||\" header_4_font_size=\"22px\" width=\"80%\" max_width=\"80%\" module_alignment=\"center\" custom_margin=\"||30px||false|false\" content__hover_enabled=\"off|desktop\" header_3_text_color__hover_enabled=\"on|hover\" header_3_text_color__hover=\"#2ad13d\"]CTV story shows how Dan Robinson pays off $30,000 in debt with zero interest after getting help from the Credit Counselling Society. <a href=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" target=\"_blank\" rel=\"noopener noreferrer\">Watch the News Story<\/a>\r\n\r\n[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.4.2\" background_color=\"#ffffff\" transform_translate_linked__hover=\"off\" custom_padding=\"0px|0px|0px|0px|false|false\" animation_style=\"zoom\" animation_direction=\"top\" animation_intensity_zoom=\"5%\" custom_css_main_element=\"max-width: 530px;\" border_radii=\"on|8px|8px|8px|8px\" box_shadow_style=\"preset2\" custom_padding__hover=\"|||\" background__hover_enabled=\"off|desktop\" background_enable_color__hover=\"off\" transform_styles__hover_enabled=\"on|hover\" transform_scale__hover_enabled=\"on|desktop\" transform_translate__hover_enabled=\"on|hover\" transform_rotate__hover_enabled=\"on|desktop\" transform_skew__hover_enabled=\"on|desktop\" transform_origin__hover_enabled=\"on|desktop\" transform_translate__hover=\"0px|-10px\"][et_pb_image src=\"\/wp-content\/uploads\/2020\/09\/client-4_3.jpg\" url=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" url_new_window=\"on\" _builder_version=\"4.4.2\"][\/et_pb_image][et_pb_text _builder_version=\"4.4.4\" header_3_text_align=\"left\" header_3_text_color=\"rgba(0,0,0,0.8)\" header_3_line_height=\"1.3em\" header_4_font=\"|600|||||||\" header_4_font_size=\"22px\" width=\"80%\" max_width=\"80%\" module_alignment=\"center\" custom_margin=\"||30px||false|false\" content__hover_enabled=\"off|desktop\" header_3_text_color__hover_enabled=\"on|hover\" header_3_text_color__hover=\"#2ad13d\"]Charis speaks with Global TV after consolidating with us and nearly paying off $67,000 on 13 credit cards.<a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener noreferrer\">See the Segment<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.6.0\" custom_padding=\"||50px|||\" animation_direction=\"bottom\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.4\"][et_pb_text _builder_version=\"4.6.0\" module_alignment=\"center\"]\r\n<p style=\"text-align: center;\">See even more <a href=\"https:\/\/nomoredebts.org\/press-media\">of the Credit Counselling Society on the news<\/a>.<\/p>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\"Media Logos - Transparent Bar\" _builder_version=\"4.4.1\" background_color=\"rgba(42,209,61,0.7)\" width=\"100%\" width_tablet=\"100%\" width_phone=\"100%\" width_last_edited=\"on|phone\" max_width=\"100%\" max_width_tablet=\"100%\" max_width_last_edited=\"off|desktop\" animation_style=\"slide\" animation_direction=\"bottom\" animation_intensity_slide=\"5%\" module_alignment_last_edited=\"off|desktop\" custom_css_main_element__hover_enabled=\"off|desktop\" custom_css_main_element__hover=\"transition: 0.9s;\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.1\" background_enable_image=\"off\" background_size=\"initial\" hover_transition_duration=\"500ms\" hover_transition_speed_curve=\"ease-in-out\" background__hover_enabled=\"off|hover\" background_enable_image__hover=\"off\" filter_opacity__hover_enabled=\"off|hover\" custom_css_main_element__hover_enabled=\"off|hover\"][et_pb_image src=\"\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png\" align=\"center\" admin_label=\"Media Logos\" _builder_version=\"4.4.1\" positioning=\"absolute\" position_origin_a=\"top_center\" width=\"90%\" width_tablet=\"90%\" width_phone=\"100%\" width_last_edited=\"on|desktop\" max_width=\"100%\" hover_transition_duration=\"500ms\" hover_transition_speed_curve=\"ease-in-out\"][\/et_pb_image][et_pb_image src=\"\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-3-description-3.png\" align=\"center\" src_tablet=\"\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png\" src_phone=\"\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png\" src_last_edited=\"on|phone\" admin_label=\"Description\" _builder_version=\"4.4.1\" width=\"90%\" width_tablet=\"90%\" width_phone=\"100%\" width_last_edited=\"on|desktop\" max_width=\"100%\" max_width_tablet=\"90%\" max_width_last_edited=\"off|phone\" module_alignment=\"center\" filter_opacity=\"0%\" hover_transition_duration=\"500ms\" hover_transition_speed_curve=\"ease-in-out\" filter_opacity__hover_enabled=\"on|desktop\" filter_opacity__hover=\"100%\" src__hover_enabled=\"off|desktop\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.6.0\" _module_preset=\"default\"][et_pb_row _builder_version=\"4.6.0\" width=\"60%\" width_tablet=\"80%\" width_phone=\"80%\" width_last_edited=\"on|tablet\" max_width_tablet=\"100%\" max_width_phone=\"100%\" max_width_last_edited=\"on|desktop\" hover_enabled=\"0\" sticky_enabled=\"0\"][et_pb_column type=\"4_4\" _builder_version=\"4.3.1\"][et_pb_text _builder_version=\"4.4.1\"]\r\n<h2>Providing <city>'s Best Non-Profit Consumer Debt Consolidation Programs, Credit Counseling Services, and Interest Relief<\/city><\/h2>\r\nThe <a href=\"https:\/\/www.bbb.org\/ca\/on\/london\/profile\/credit-and-debt-counseling\/credit-counselling-society-0187-1052051\" target=\"_blank\"><span style=\"color:#666;\">Credit Counselling Society<\/span><\/a> has been helping consumers consolidate their debt payments through our non-profit debt management program and through professional, objective advice since 1996. We are <a href=\"https:\/\/nomoredebts.org\/about-usaccredited-credit-counselling\">recognized by the Better Business Bureau as an Accredited Charity<\/a> and have <a href=\"https:\/\/www.ccaward.com\/\" target=\"_blank\">won over 55 awards for our outstanding service<\/a> and exceptionally high standards.\r\n\r\nOur commitment to providing the best credit counselling and debt relief service has resulted in 98% of our clients reporting that they would recommend our services to others.\r\n\r\nPlease call if you wish to learn more or want to <b>set up an appointment with one of our counsellors<\/b>. These appointments are completely <b>free, non-judgmental, and confidential<\/b>. Call us at <phone>.<\/phone>\r\n\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row]\t[\/et_pb_section][et_pb_section fb_built=\"1\" prev_background_color=\"#ffffff\" next_background_color=\"#ffffff\" _builder_version=\"4.6.0\" background_image=\"\/wp-content\/uploads\/2020\/02\/IMG_0087-Yasmine-3-e1582150961489.png\" transform_scale_last_edited=\"off|phone\" transform_translate_last_edited=\"off|phone\" transform_rotate_last_edited=\"off|phone\" transform_skew_last_edited=\"off|phone\" transform_origin_last_edited=\"off|phone\" transform_styles_last_edited=\"off|phone\" z_index=\"-10\" height=\"750px\" custom_padding=\"0px||0px||false|false\" top_divider_style=\"wave2\" top_divider_flip=\"vertical\" top_divider_arrangement=\"above_content\" top_divider_style_tablet=\"\" top_divider_style_phone=\"\" top_divider_style_last_edited=\"on|phone\" top_divider_height_tablet=\"\" top_divider_height_phone=\"50px\" top_divider_height_last_edited=\"on|phone\" bottom_divider_style=\"wave2\" bottom_divider_arrangement=\"above_content\" bottom_divider_height_tablet=\"100px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" hover_enabled=\"0\" background_last_edited=\"on|phone\" background_image_phone=\"\/wp-content\/uploads\/2020\/02\/IMG_0087-Yasmine-3-e1582150961489.png\" background_enable_image_phone=\"on\" background_size_phone=\"cover\" background_position_tablet=\"center_left\" background_position_phone=\"top_left\" background_position=\"center\" sticky_enabled=\"0\" admin_label=\"Testimonial\"][et_pb_row column_structure=\"1_2,1_2\" make_equal=\"on\" _builder_version=\"4.6.0\" transform_scale_tablet=\"100%|110%\" transform_scale_phone=\"\" transform_scale_last_edited=\"on|desktop\" transform_scale_linked_tablet=\"off\" transform_translate_tablet=\"0px|0px\" transform_translate_phone=\"\" transform_translate_last_edited=\"on|tablet\" transform_translate_linked=\"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|tablet\" width=\"75%\" width_tablet=\"100%\" width_phone=\"\" width_last_edited=\"on|tablet\" max_width=\"100%\" max_width_tablet=\"100%\" max_width_phone=\"\" max_width_last_edited=\"on|phone\" height=\"100%\" max_height=\"100%\" custom_margin=\"||||false|false\" custom_padding=\"0px||0px||false|false\" transform_styles_tablet=\"\" transform_styles_phone=\"\" custom_css_main_element=\"align-items: center;\"][et_pb_column type=\"1_2\" _builder_version=\"4.3.1\"][\/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.6.0\" background_color=\"rgba(91,37,175,0.7)\" transform_scale_tablet=\"\" transform_scale_phone=\"\" transform_scale_last_edited=\"on|tablet\" transform_translate=\"86px|0px\" transform_translate_tablet=\"0px|0px\" transform_translate_phone=\"\" transform_translate_last_edited=\"on|phone\" transform_translate_linked=\"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|tablet\" custom_padding=\"240px||240px||false|false\" custom_padding_tablet=\"240px||215px||false|false\" custom_padding_phone=\"170px||230px||false|false\" custom_padding_last_edited=\"on|tablet\" animation_style=\"slide\" animation_direction=\"right\" animation_intensity_slide=\"2%\" transform_styles_tablet=\"\" transform_styles_phone=\"\" border_color_all=\"#000000\"][et_pb_text admin_label=\"Title\" _builder_version=\"4.6.0\" text_font=\"|700|||||||\" text_text_color=\"rgba(255,255,255,0.9)\" text_font_size=\"30px\" text_line_height=\"1.2em\" header_font=\"||||||||\" header_text_color=\"#ffffff\" header_2_font=\"|700||on|||||\" header_2_font_size=\"42px\" header_2_line_height=\"1.3em\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" z_index=\"1\" text_orientation=\"center\" background_layout=\"dark\" max_width=\"75%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|phone\" module_alignment=\"center\" custom_margin=\"-15px||||false|false\" animation_direction=\"bottom\" text_text_shadow_style=\"preset2\" inline_fonts=\"Work Sans\"]\r\n<p style=\"text-align: left;\">It's Okay to Ask for Help with Debt<\/p>\r\n[\/et_pb_text][et_pb_text admin_label=\"Subtitle\" _builder_version=\"4.6.0\" text_text_color=\"#ffffff\" text_font_size=\"18px\" text_line_height=\"1.6em\" header_font=\"||||||||\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" z_index=\"1\" text_orientation=\"center\" max_width=\"75%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|desktop\" module_alignment=\"center\" min_height=\"80px\" custom_margin=\"-15px||30px||false|false\" animation_direction=\"bottom\" text_text_shadow_style=\"preset2\"]\r\n<p style=\"text-align: left;\">\"Life just happened. My debt got to the point where I started to feel like I was drowning. I didn\u2019t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay \u2013 a lot of work \u2013 but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.\"<\/p>\r\n<p style=\"text-align: left;\">- Yasmine<\/p>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.6.0\" _module_preset=\"default\" z_index=\"10\"][et_pb_row _builder_version=\"4.4.2\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.2\"][et_pb_text _builder_version=\"4.6.0\" custom_margin=\"||||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"-30px||||false|false\" custom_margin_last_edited=\"on|phone\"]\r\n<h3>Learn More About Various Debt Consolidation Options That are Available<\/h3>\r\nIf you\u2019re not ready to talk to anyone yet about your situation, we have more <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\">resources you can use to try to explore all available debt consolidation options<\/a> on your own.\r\n\r\nWhen you're ready to speak with someone about your consolidated credit and payment options in Canada, <a href=\"\/contact-us#options\">give us a call, reach out online, or visit our office nearest you<\/a>.\r\n\r\nFor individuals who believe they may need to file for bankruptcy, we help them review all <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\">bankruptcy alternatives and relevant information available in Canada<\/a> to find another less drastic solution that will get their finances back on track.\r\n\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" prev_background_color=\"#ffffff\" admin_label=\"CTA - Need some help?\" _builder_version=\"4.6.0\" _module_preset=\"default\" background_image=\"\/wp-content\/uploads\/2020\/04\/man-calling-for-help-from-home-4.jpg\" background_position=\"top_center\" height=\"750px\" top_divider_style=\"wave2\" top_divider_flip=\"vertical\" top_divider_arrangement=\"above_content\" top_divider_height_tablet=\"70px\" top_divider_height_phone=\"50px\" top_divider_height_last_edited=\"on|phone\" bottom_divider_style=\"wave2\" bottom_divider_color=\"#e7dff3\" bottom_divider_arrangement=\"above_content\" bottom_divider_height_tablet=\"70px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" background_last_edited=\"on|tablet\" background_image_phone=\"\/wp-content\/uploads\/2020\/04\/man-phoning-for-help-from-home.png\" background_enable_image_phone=\"on\" background_position_tablet=\"top_center\" background_position_phone=\"center\"][et_pb_row column_structure=\"1_2,1_2\" make_equal=\"on\" _builder_version=\"4.6.0\" _module_preset=\"default\" width=\"75%\" width_tablet=\"100%\" width_phone=\"\" width_last_edited=\"on|phone\" max_width=\"100%\" height=\"100%\" max_height=\"100%\" custom_margin=\"||||false|false\" custom_margin_tablet=\"-120px||||false|false\" custom_margin_phone=\"-120px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_css_main_element=\"align-items: center;\"][et_pb_column type=\"1_2\" _builder_version=\"4.6.0\" _module_preset=\"default\"][\/et_pb_column][et_pb_column type=\"1_2\" module_class=\"inline-buttons\" _builder_version=\"4.6.0\" _module_preset=\"default\" background_color=\"rgba(107,65,175,0.7)\" custom_padding=\"200px||200px||false|false\" custom_padding_tablet=\"220px||250px||false|false\" custom_padding_phone=\"200px||300px||false|false\" custom_padding_last_edited=\"on|phone\" animation_style=\"slide\" animation_direction=\"right\" animation_intensity_slide=\"2%\"][et_pb_text _builder_version=\"4.6.0\" _module_preset=\"default\" text_font=\"|700|||||||\" text_text_color=\"rgba(255,255,255,0.7)\" text_font_size=\"30px\" text_line_height=\"1em\" text_orientation=\"center\" max_width=\"100%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|phone\" module_alignment=\"center\" custom_padding=\"60px||||false|false\" text_text_shadow_style=\"preset2\"]\r\n\r\nNeed some help?\r\n\r\n[\/et_pb_text][et_pb_text _builder_version=\"4.6.0\" _module_preset=\"default\" text_font=\"|700|||||||\" text_text_color=\"rgba(255,255,255,0.9)\" text_font_size=\"30px\" text_line_height=\"1em\" text_orientation=\"center\" max_width=\"90%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|desktop\" module_alignment=\"center\" custom_margin=\"-15px||||false|false\" text_text_shadow_style=\"preset2\"]\r\n\r\nGet Relief From Your Stress & Debt Today\r\n\r\n[\/et_pb_text][et_pb_text _builder_version=\"4.6.0\" _module_preset=\"default\" text_text_color=\"#ffffff\" text_font_size=\"18px\" text_line_height=\"1.6em\" text_orientation=\"center\" max_width=\"75%\" max_width_tablet=\"80%\" max_width_phone=\"90%\" max_width_last_edited=\"on|phone\" module_alignment=\"center\" min_height=\"80px\" custom_margin=\"-15px||30px||false|false\" text_text_shadow_style=\"preset2\"]\r\n\r\nWith Canada's most trusted non-profit credit counselling service here for you, what\u2019s holding you back?\r\n\r\n[\/et_pb_text][et_pb_button button_url=\"\/contact-us\" button_text=\"Online Chat\" button_alignment=\"center\" admin_label=\"Button 1\" _builder_version=\"4.6.0\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#ffffff\" button_bg_color=\"#2ad13d\" button_icon=\"%%20%%\" background_layout=\"dark\" animation_style=\"fade\" animation_duration=\"2000ms\" animation_starting_opacity=\"30%\" hover_transition_speed_curve=\"ease-in-out\" button_border_radius__hover_enabled=\"on|hover\" button_border_radius__hover=\"8px\"][\/et_pb_button][et_pb_button button_url=\"\/contact-us#options\" button_text=\"Call Us\" button_alignment=\"center\" admin_label=\"Button 2\" _builder_version=\"4.6.0\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#ffffff\" button_bg_color=\"#2ad13d\" button_icon=\"%%20%%\" background_layout=\"dark\" animation_style=\"fade\" animation_duration=\"2000ms\" animation_starting_opacity=\"30%\" hover_transition_speed_curve=\"ease-in-out\" button_border_radius__hover_enabled=\"on|hover\" button_border_radius__hover=\"8px\"][\/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=\"Accredited by Logos Section\" _builder_version=\"4.6.0\" background_enable_color=\"off\" use_background_color_gradient=\"on\" background_color_gradient_start=\"#e7dff3\" background_color_gradient_end=\"#e7dff3\" z_index=\"0\" min_height=\"310px\" custom_margin=\"||0px||false|false\" custom_padding=\"60px||60px||false|false\" custom_padding_tablet=\"||60px||false|false\" custom_padding_phone=\"0px||||false|false\" top_divider_color=\"#dff8e2\" top_divider_flip=\"horizontal|vertical\" top_divider_height_tablet=\"\" top_divider_height_phone=\"50px\" top_divider_height_last_edited=\"on|phone\" bottom_divider_height_tablet=\"\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|desktop\" animation_direction=\"top\" custom_css_main_element=\"z-index: 20!important;\" saved_tabs=\"all\"][et_pb_row _builder_version=\"4.4.2\" z_index=\"6\" custom_padding=\"30px||||false|false\" animation_style=\"fade\"][et_pb_column type=\"4_4\" _builder_version=\"4.3.1\"][et_pb_text _builder_version=\"4.3.1\" header_3_font=\"|600|||||||\" header_3_text_color=\"rgba(0,0,0,0.5)\" header_3_font_size=\"26px\" custom_padding=\"||||false|false\"]\r\n<h3 style=\"text-align: center;\">Putting Your Interests First<\/h3>\r\n<p style=\"text-align: center;\">Our goal is to always put consumers first and look out for their best interests in everything we do. One way we do this is through transparency and accountability. We are held accountable to the most rigorous standards in our industry.<\/p>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_5,1_5,1_5,1_5,1_5\" module_class=\"mobile-stacking\" _builder_version=\"4.6.0\" _module_preset=\"default\" background_enable_image=\"off\" max_width=\"1500px\" max_width_tablet=\"90%\" max_width_phone=\"\" max_width_last_edited=\"on|phone\" animation_style=\"zoom\" animation_intensity_zoom=\"20%\"][et_pb_column type=\"1_5\" _builder_version=\"4.6.0\" _module_preset=\"default\" background_image=\"\/wp-content\/uploads\/2020\/02\/description-ccc-1.png\" background_size=\"contain\" background_last_edited=\"on|phone\" background_image_phone=\"\/wp-content\/uploads\/2020\/02\/description-ccc-1.png\" background_enable_image_tablet=\"off\" background_enable_image_phone=\"on\" custom_css_main_element=\"width: 20%!important;||height: 100%;||display: grid;||margin: auto;\" custom_css_main_element_last_edited=\"on|phone\" 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