{"id":18870,"date":"2020-09-29T20:51:39","date_gmt":"2020-09-29T20:51:39","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=18870"},"modified":"2023-11-23T09:55:06","modified_gmt":"2023-11-23T09:55:06","slug":"debt-repayment-and-bankruptcy-solutions","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/debt-repayment-and-bankruptcy-solutions","title":{"rendered":"Debt Solutions & Help – Repayment & Bankruptcy | Credit Counselling"},"content":{"rendered":"

[et_pb_section fb_built=”1″ next_background_color=”#e7dff3″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/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” background_last_edited=”on|phone” background_image_tablet=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/talking-over-the-phone_hero_tablet.jpg” background_enable_image_tablet=”on” background_size_phone=”cover” background_position_tablet=”center_right” background_position_phone=”center_right” da_disable_devices=”off|off|off” global_colors_info=”{}” title_text_tablet=”talking-over-the-phone_hero_tablet” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Debt Repayment Solutions[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Find out what your options are to get back on track.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” admin_label=”Content Section” _builder_version=”4.16″ background_color=”#e7dff3″ custom_margin=”||0px||false|false” custom_padding=”0px||130px||false|false” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” min_height=”100px” custom_padding=”2px||0px|||” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=”4.16″ header_2_font_size=”30px” global_colors_info=”{}”]<\/p>\n

Debt Repayment & Bankruptcy Solutions
Credit Counselling for Canadians<\/span><\/h1>\n

If you’re wondering whether or not we’ll be able to help you or if we’re the right people to turn to for help, check out the stories and reviews of our services below. They’ll give you a much better sense of what we do and what we’re all about. We offer debt repayment and bankruptcy solutions for Canadians struggling with debt.
<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”93px||150px|||” custom_padding_tablet=”70px||||false|false” custom_padding_phone=”” bottom_divider_style=”ramp2″ bottom_divider_color=”#e4f8e0″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”pay-bills” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”|auto|-26px|auto||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

We Can Help<\/h2>\n

Is the stress of being in debt getting to you? You might only be a few months behind on your bills, or you might be so far behind that you don\u2019t even open your bills anymore. Whatever your situation, we have experienced, caring\u00a0counsellors<\/a>\u00a0ready to give you guidance and solutions that will work for you. Our appointments are free and confidential, because nothing should get in the way of getting help with your debts.<\/p>\n

Depending on your situation, there are several options our Counsellors will discuss with you.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”fade” global_colors_info=”{}”][et_pb_video src=”https:\/\/player.vimeo.com\/video\/367288003″ _builder_version=”4.16″ _module_preset=”default” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding_tablet=”35px||||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” global_colors_info=”{}”][\/et_pb_video][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e4f8e0″ custom_padding=”65px||130px|||” custom_padding_tablet=”50px||130px||false|false” custom_padding_phone=”” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”35px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Debt Management Program
Consolidate Your Debt Payments & Make a Budget<\/span><\/h2>\n

There are many different types of debt consolidation.\u00a0A debt repayment program through the Credit Counselling Society means that we help you get on track with your money so that you only need to make one payment each month.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”pay-bills” _builder_version=”4.16″ width_tablet=”80%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”|auto|-26px|auto||” custom_padding=”4px|||||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_video src=”https:\/\/www.youtube.com\/watch?v=DrjcaDaESE4″ _builder_version=”4.16″ _module_preset=”default” custom_padding_tablet=”||35px||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_video][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

The amount of the payment is based on what you can afford and you do not borrow more money to pay off what you already owe.<\/p>\n

Your counsellor will work with you to figure out what you can afford for a payment each month, while still maintaining a reasonable lifestyle. While you are repaying your debts through our program, your creditors will substantially lower or eliminate interest charges. All of your credit card payments will be consolidated into one affordable monthly payment. In the end, this allows you to repay all of your debts, get back on track and save thousands of dollars in interest.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” next_background_color=”#e7dff3″ _builder_version=”4.16″ _module_preset=”default” background_color=”#ffffff” custom_padding=”||100px|||” custom_padding_tablet=”||115px||false|false” custom_padding_phone=”” bottom_divider_style=”ramp2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Debt Repayment Strategies<\/h2>\n

If you prefer to resolve your situation on your own, we\u2019re happy to provide you with guidance and information so that you know what to do. Sometimes this means showing you\u00a0how to communicate effectively with your creditors<\/a>\u00a0to gain their cooperation during a difficult time, providing\u00a0advice about consolidation loans<\/a>, or\u00a0explaining what to look for as you consider other options<\/a>.<\/p>\n

Speaking with one of our Counsellors doesn\u2019t obligate you to anything. And a little good advice can go a long way!<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”60px||125px|||” bottom_divider_style=”curve2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Debt Settlement Programs<\/h2>\n

A debt settlement means that you pay back part of what you owe. If this option is right for you, one of our Debt Settlement Specialists will negotiate with your creditors to accept a one-time lump sum payment. Our\u00a0debt settlement programs<\/a>\u00a0are highly successful because creditors recognize the Credit Counselling Society as a trusted, reputable non-profit organization. Speak with one of our Counsellors to find out if offering your creditors a settlement is the right option for you.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#e4f8e0″ _builder_version=”4.16″ _module_preset=”default” background_color=”#ffffff” custom_padding=”||120px|||” bottom_divider_style=”ramp2″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Bankruptcy Trustee Referral Program<\/h2>\n

Bankruptcy is a legal process for dealing with your debts. While no one really wants to go bankrupt, sometimes your situation gets to a point where you need to at least consider if bankruptcy is a good option for you or not. There are long term implications to declaring bankruptcy and it\u2019s not the right option for everyone.<\/p>\n

After looking at your financial situation, if bankruptcy is one of your options, your Counsellor will explain the process, your responsibilities and the consequences of declaring bankruptcy. That way you have the information you need to make an informed decision.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#5b25af” _builder_version=”4.16″ background_color=”#e4f8e0″ background_enable_image=”off” background_position=”top_center” z_index=”0″ custom_padding=”||130px||false|false” custom_padding_tablet=”||130px||false|false” custom_padding_phone=”||100px||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” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_text_align=”center” custom_margin=”||16px|||” global_colors_info=”{}”]<\/p>\n

Our Clients Interviewed on Global TV and CTV News<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_orientation=”center” max_width=”1500px” animation_direction=”bottom” global_colors_info=”{}”]From time to time, the news media interviews some of our clients who are comfortable sharing their stories publicly. Below are two of our clients who were interviewed about their experience with the Credit Counselling Society.[\/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=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1500px” custom_padding=”||30px|||” use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}” 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=”4.16″ 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″ global_colors_info=”{}” 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=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ 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” global_colors_info=”{}” 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 pays off $10,000 in debt interest free with help from the Credit Counselling Society. Watch<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ 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″ global_colors_info=”{}” 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=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ 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” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]CTV News shows how Dan Robinson paid off $30,000 in debt with no interest with the help of the Credit Counselling Society. See story<\/a><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ 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″ global_colors_info=”{}” 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=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ 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” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]Global TV speaks with Charis who has nearly paid off $67,000 in debt on 13 credit cards with help from the Credit Counselling Society. Watch<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ custom_padding=”||50px|||” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ module_alignment=”center” global_colors_info=”{}”]<\/p>\n

See even more of the Credit Counselling Society in the local and national news<\/a>.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”rgba(91,37,175,0.15)” admin_label=”CTA 1 – You’re not alone” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_padding=”70px||1px||false|false” custom_padding_tablet=”5px||30px||false|false” custom_padding_phone=”” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||140px||false|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”100px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”-15px||||false|false” custom_padding=”0px||0px|||” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Ready for Some Help?<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”|||” custom_padding=”0px|||||” animation_direction=”bottom” global_colors_info=”{}”]Our Credit Counsellors are experienced, professionally trained, and really care about helping our clients find the right solutions to their debt problems.[\/et_pb_text][et_pb_button button_url=”\/contact-us” button_text=”Speak With a Credit Counsellor” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#2ad13d” button_bg_enable_color__hover=”on” 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″ admin_label=”Accredited by Logos Section” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” z_index=”20″ min_height=”310px” custom_margin=”1px||0px||false|false” custom_padding=”100px||100px||false|false” top_divider_style=”wave2″ top_divider_color=”#5b25af” top_divider_flip=”horizontal|vertical” top_divider_height_tablet=”” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”ramp2″ bottom_divider_color=”#69df77″ bottom_divider_height_tablet=”” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|desktop” animation_direction=”top” da_disable_devices=”off|off|off” saved_tabs=”all” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Accreditations<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ module_class=”mobile-stacking” _builder_version=”4.17.4″ _module_preset=”default” background_enable_image=”off” max_width=”1500px” max_width_tablet=”90%” max_width_last_edited=”off|desktop” module_alignment=”center” custom_margin_phone=”|-5.5px|||false|false” custom_margin_last_edited=”off|desktop” animation_style=”zoom” animation_intensity_zoom=”20%” global_module=”44251″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/best-workplaces-canada-certified-2022-text-bx-1.png” background_size=”initial” link_option_url=”\/about-us\/accredited-credit-counselling#best-workplaces” background_last_edited=”off|desktop” 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: 19%!important;||height: 100%;||display: grid;||margin-left: 39px;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”height: 100%;” custom_css_main_element_phone=”width: 100%!important;||padding-top:20px;||padding-bottom: 50px;”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2023\/10\/best-workplaces-canada-certified-2023-bx.jpg” alt=”Certified by Great Places to Work Canada” title_text=”Great Place to Work Certified” url=”\/about-us\/accredited-credit-counselling#best-workplaces” align=”center” src_last_edited=”off|desktop” align_tablet=”left” align_phone=”center” align_last_edited=”on|phone” admin_label=”Image” _builder_version=”4.22.0″ _module_preset=”default” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”-25px|0px” 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type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/credit-counselling-canada-text-bx-1.png” background_size=”initial” link_option_url=”\/about-us\/accredited-credit-counselling#credit-counselling-canada” background_last_edited=”off|desktop” background_image_phone=”\/wp-content\/uploads\/2020\/02\/description-bbb-1.png” background_enable_image_tablet=”off” background_enable_image_phone=”on” background_position_tablet=”center_left” background_position_phone=”center” custom_css_main_element=”width: 28%!important;||height: 100%;||display: grid;||margin-left: 4px;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”height: 100%;||display: grid;||margin: auto;” custom_css_main_element_phone=”width: 100%!important;”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/credit-counselling-canada-logo-bx-1.png” alt=”Accredited by Canada\u2019s national association of non-profit credit counselling organizations.” title_text=”Credit Counselling Canada” url=”\/about-us\/accredited-credit-counselling#credit-counselling-canada” align=”center” align_tablet=”left” align_phone=”center” align_last_edited=”off|desktop” _builder_version=”4.21.0″ _module_preset=”default” transform_scale_last_edited=”off|phone” transform_translate_tablet=”-25px|0px” transform_translate_phone=”0px|0px” transform_translate_last_edited=”off|phone” transform_translate_linked_tablet=”off” transform_rotate_last_edited=”off|phone” transform_skew_last_edited=”off|phone” transform_origin_last_edited=”off|phone” transform_styles_last_edited=”off|phone” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” custom_css_main_element=”display: flex;||vertical-align: middle;||justify-content: center;||align-items: center;” global_colors_info=”{}” src__hover_enabled=”off|hover” src__hover=”\/wp-content\/uploads\/2020\/02\/description-bbb-1.png” filter_opacity__hover_enabled=”on|hover” filter_opacity__hover=”0%” custom_css_before_last_edited=”on|phone”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/nfcc-accreditation-text-bx-1.png” background_size=”initial” link_option_url=”\/about-us\/accredited-credit-counselling#nfcc” background_last_edited=”off|desktop” background_image_phone=”\/wp-content\/uploads\/2020\/02\/description-gptw-1.png” background_enable_image_tablet=”off” background_enable_image_phone=”on” custom_css_main_element=”width: 28%!important;||height: 100%;||display: grid;||margin-left: 9px;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”height: 100%;||display: grid;||margin: auto;” custom_css_main_element_phone=”width: 100%!important;||padding-top: 4px;||padding-bottom: 50px!important;”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/nfcc-accreditation-logo-bx-1.png” alt=”North America\u2019s largest association of non-profit credit counselling organizations.” title_text=”National Foundation for Credit Counseling (NFCC)” url=”\/about-us\/accredited-credit-counselling#nfcc” align=”center” align_tablet=”left” align_phone=”center” align_last_edited=”off|desktop” _builder_version=”4.21.0″ _module_preset=”default” transform_scale_last_edited=”off|phone” transform_translate_phone=”0px|0px” transform_translate_last_edited=”off|phone” transform_translate_linked=”off” transform_rotate_last_edited=”off|phone” transform_skew_last_edited=”off|phone” transform_origin_last_edited=”off|phone” transform_styles_last_edited=”off|phone” custom_margin=”||||false|false” custom_padding=”||||false|false” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” src__hover_enabled=”off|desktop” src__hover=”\/wp-content\/uploads\/2020\/02\/description-gptw-1.png” filter_opacity__hover_enabled=”on|hover” filter_opacity__hover=”0%” custom_css_main_element_last_edited=”off|phone”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/bbb-accredited-text-bx-1.png” background_size=”initial” custom_padding=”|||15px|false|false” link_option_url=”\/about-us\/accredited-credit-counselling#better-business-bureau” background_last_edited=”off|desktop” background_image_phone=”\/wp-content\/uploads\/2020\/09\/description-nfcc-4.png” background_enable_image_tablet=”off” background_enable_image_phone=”on” custom_css_main_element=”width: 19%!important;||height: 100%;||display: grid;||margin-left: -35px;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”height: 100%;||display: 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transform_origin_last_edited=”on|tablet” transform_styles_last_edited=”on|phone” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}” src__hover_enabled=”off|desktop” src__hover=”\/wp-content\/uploads\/2020\/09\/description-nfcc-4.png” filter_opacity__hover_enabled=”on|hover” filter_opacity__hover=”0%” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”position: absolute;||left: 35%;||padding-left: 16px;” custom_css_main_element_phone=”text-align: center;”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”#69df77″ custom_padding=”||100px|||” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” 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hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” 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″ custom_padding_last_edited=”on|desktop” admin_label=”Related Topics” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”1px||||false|false” custom_padding=”100px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Related Articles<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/credit-counselling” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” 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=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg” alt=”A couple signing an agreement with advisor.” title_text=”credit-counselling” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

Credit Counselling<\/h3>\n

Are you curious about what credit counselling is or how it works? Here’s what you need to know.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/debt-management-program” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” 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=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/talking-to-a-credit-counsellor_related_topics.jpg” alt=”talking to a credit counsellor” title_text=”debt-management-program” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

Debt Management Program<\/h3>\n

You’re not alone if you’re wondering if a DMP is right for you. Here’s what it is and how it works.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help\/bankruptcy” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” 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=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/dealing-with-unpredictable-income_related_topics.jpg” alt=”Thinking About Bankruptcy” title_text=”bankruptcy” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

Bankruptcy<\/h3>\n

If you’ve got debt problems you may think you need to go bankrupt. This might not be true.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n