{"id":18851,"date":"2020-09-29T18:42:27","date_gmt":"2020-09-29T18:42:27","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=18851"},"modified":"2025-05-07T10:12:24","modified_gmt":"2025-05-07T17:12:24","slug":"how-debt-management-programs-services-work","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/debt-management-program\/how-debt-management-programs-services-work","title":{"rendered":"Debt Management Programs &#038; Solutions &#8211; Debt Repayment Plans"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#e7dff3&#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; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/giving-a-helping-hand_hero.jpg&#8221; min_height=&#8221;550px&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|phone&#8221; background_image_tablet=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/talking-over-the-phone_hero_tablet.jpg&#8221; background_enable_image_tablet=&#8221;on&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;center_right&#8221; background_position_phone=&#8221;center_right&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; title_text_tablet=&#8221;talking-over-the-phone_hero_tablet&#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_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]How We Provide Debt Help &#038; Assistance[\/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;1em&#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_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]See how we help people find solutions to their financial challenges.[\/et_pb_text][et_pb_text _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><button type=\"button\" class=\"nmd-button-style\" onclick=\"window.HubSpotConversations.widget.open();\">Chat With Us<\/button><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Content Section&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;0px||80px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#ffffff&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; min_height=&#8221;100px&#8221; custom_padding=&#8221;2px||0px|||&#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_dmb_breadcrumbs font_icon=&#8221;%%20%%&#8221; use_home_icon=&#8221;off&#8221; use_home_text=&#8221;on&#8221; show_custom_taxonomy_crumbs=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; body_text_color=&#8221;rgba(102,102,102,0.8)&#8221; link_text_color=&#8221;rgba(42,209,61,0.8)&#8221; custom_margin=&#8221;||50px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; global_module=&#8221;6437&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;rgba(90,39,178,0.4)&#8221;][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"line-height: 90%;\">Debt Management Programs &amp; Solutions<br \/> <span style=\"font-size: 70%; color: #747474;\">Debt Repayment Plans<\/span><\/h1>\n<p>We help tens of thousands of Canadian consumers each year manage their money and debt better by providing:<\/p>\n<ul>\n<li>Free, confidential credit and debt counselling<\/li>\n<li>Budgeting assistance<\/li>\n<li>Information and referral services<\/li>\n<li>Money management education (part of these services include\u00a0<a href=\"https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\">workshops and webinars<\/a>\u00a0&amp; our\u00a0<a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener noreferrer\">educational website<\/a>)<\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-repayment-and-bankruptcy-solutions\">Debt Repayment Programs<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/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; custom_padding=&#8221;||100px|||&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#e4f8e0&#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; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our Credit Counsellors are experienced, professionally trained and really care about helping our clients find the right solutions to their debt problems.<\/p>\n<p>Over the years, our clients have repaid over $300 million in debt. They\u2019ve saved thousands of dollars in interest and rebuilt their credit ratings sooner than if they\u2019d tried to repay their debts on their own. We continually work hard to earn the trust of our clients and to be the best Canadian credit and debt counselling service.<\/p>\n<p>[\/et_pb_text][et_pb_video src=&#8221;https:\/\/player.vimeo.com\/video\/364414229&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_video][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><em>See how our Credit Counsellors help people and assist them with their debt problems.<\/em><\/p>\n<p>If you are\u00a0<a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/help-me-im-drowning-in-debt-need-help-now\">having trouble with your debts<\/a>, we understand how hard it can be to ask for help.\u00a0<a href=\"\/contact-us\">Give us a call<\/a>\u00a0and find out how much better you\u2019ll feel once you know what to do about your situation.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e4f8e0&#8243; custom_padding=&#8221;60px||145px|||&#8221; bottom_divider_style=&#8221;ramp2&#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; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"line-height: 90%;\">Free Consumer Credit Counselling<br \/> <span style=\"font-size: 70%; color: #747474;\">Money Management &amp; How to Budget<\/span><\/h2>\n<p>When you speak with one of our Counsellors, they will gather information from you about your debts, your spending and your overall situation. Once they have a good understanding about your circumstances, they will provide you with an objective assessment of what you can do to deal with your situation.<\/p>\n<p>Your Counsellor will:<\/p>\n<ul>\n<li>provide you with information<\/li>\n<li>answer your questions<\/li>\n<li>explain your options<\/li>\n<li>help you get started with a realistic budget<\/li>\n<li>ensure that you have enough information to make a good decision about what to do next<\/li>\n<\/ul>\n<p>All of our information and educational material is provided at no cost to you and our consumer credit counselling services are completely confidential and our counselling sessions are free of charge.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Testimonial &#8211; Charis&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; 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custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding_tablet=&#8221;||35px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; border_radii=&#8221;on|436px|436px|436px|436px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_horizontal=&#8221;4px&#8221; box_shadow_vertical=&#8221;4px&#8221; box_shadow_blur=&#8221;21px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;4%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/05\/Testimonial_speech.png&#8221; alt=&#8221;Testimonial speech&#8221; title_text=&#8221;Testimonial&#8221; admin_label=&#8221;Quotation Mark&#8221; _builder_version=&#8221;4.16&#8243; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|phone&#8221; transform_translate_tablet=&#8221;&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|phone&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|phone&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|phone&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; max_width=&#8221;150px&#8221; max_width_tablet=&#8221;122px&#8221; max_width_phone=&#8221;116px&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_tablet=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_phone=&#8221;-25px|0px|-25px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|42px||42px|false|true&#8221; custom_padding_tablet=&#8221;0px|50px||0px|false|false&#8221; custom_padding_phone=&#8221;40px|60px|0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; filter_opacity=&#8221;30%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text content_tablet=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; 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global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>There\u2019s a way out of debt with help<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph&#8221; _builder_version=&#8221;4.16&#8243; transform_translate_linked=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;15px|0px|0px|0px|false|true&#8221; custom_padding=&#8221;0px|89px|0px|89px|true|true&#8221; custom_padding_tablet=&#8221;|0px||51px|true|false&#8221; custom_padding_phone=&#8221;|40px||40px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>I had just come to the point where I had given up hope, that there\u2019s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I\u2019d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate caring person who became sort of my own personal cheerleader.<\/p>\n<p><strong>Charis<\/strong><\/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; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;110px||110px||true|&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#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_section][et_pb_section fb_built=&#8221;1&#8243; 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background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; custom_padding=&#8221;0px||0px|||&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We&#8217;re Here to Help You<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;0px|||||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]If you\u2019re not sure what to do or if we can help you, give us a call, and ask us your questions. We won\u2019t pressure you to commit to anything and will answer your questions honestly. We have extended hours to serve you better because we know how hard it can be to ask for help.\ufeff[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us&#8221; button_text=&#8221;Get Some Help&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#2ad13d&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#69df77&#8243; admin_label=&#8221;Accredited by Logos Section&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; 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background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||2px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; header_font_size__hover=&#8221;30px&#8221; header_font_size__hover_enabled=&#8221;30px&#8221; header_letter_spacing__hover=&#8221;0px&#8221; header_letter_spacing__hover_enabled=&#8221;0px&#8221; header_text_shadow_style__hover=&#8221;none&#8221; header_text_shadow_style__hover_enabled=&#8221;none&#8221; header_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Articles<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;70%&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/about-us\/credit-counselling-society\/testimonials&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/client-reviews_related_topic.jpg&#8221; alt=&#8221;client reviews&#8221; title_text=&#8221;client-reviews&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _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; 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;]<\/p>\n<h3>Client Reviews<\/h3>\n<p>Directly from our clients, read and hear about their experiences with CCS.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/about-us\/credit-counselling-society\/ccs-counsellor-qualifications-certifications&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/our-qualifications_related_topic.jpg&#8221; alt=&#8221;Our Qualifications&#8221; title_text=&#8221;our-qualifications&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _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; 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;]<\/p>\n<h3>Our Qualifications<\/h3>\n<p>Our counsellors are friendly, professional, and among the highest qualified in our industry.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/credit-counselling&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg&#8221; alt=&#8221;A couple signing an agreement with advisor.&#8221; title_text=&#8221;credit-counselling&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _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; 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;]<\/p>\n<h3>Credit Counselling<\/h3>\n<p>Are you curious about what credit counselling is or how it works? 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