[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”\/wp-content\/uploads\/2020\/06\/struggling-with-debt_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_center” background_position_phone=”top_center” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||80px||false|false” custom_padding_tablet=”” custom_padding_phone=”” 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=”{}”]Manitoba Bankruptcy Alternatives & Options[\/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=”{}”]Get all your options, and get back on track.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” _builder_version=”4.19.5″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”||60px||false|false” custom_padding_tablet=”||115px||false|false” custom_padding_phone=”||110px||false|false” bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
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No one wants to file for bankruptcy<\/b>. Find other options and get more information before taking such a drastic step.<\/em><\/p>\n Personal Bankruptcy in Manitoba<\/span><\/b> – When you can’t afford to pay your bills and debts what comes to mind first? Many people think of filing for bankruptcy. While bankruptcy might be the right solution for you, you first need to find out about your other options, the ins and outs of the process, and how it will affect you and your family in the future. We want to help you avoid making a huge mistake by giving you information 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″ _builder_version=”4.19.5″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg” parallax=”on” parallax_method=”off” top_divider_style=”curve2″ top_divider_color=”#E7DFF3″ bottom_divider_style=”curve2″ bottom_divider_color=”#FFFFFF” bottom_divider_height=”150px” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_module=”50381″ saved_tabs=”all” locked=”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” _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”|auto||auto|false|false” custom_padding=”100px||100px||false|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”70px||70px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” text_font_size=”30px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” custom_margin=”||18px|||” global_colors_info=”{}”]Want to know how we can help you?[\/et_pb_text][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#FFFFFF” text_font_size=”30px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” global_colors_info=”{}”]Just respond to these 4 simple questions[\/et_pb_text][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” text_text_color=”#FFFFFF” text_font_size=”18px” text_line_height=”1.6em” text_orientation=”center” max_width=”700px” module_alignment=”center” global_colors_info=”{}”]To see how we can help you, simply answer these 4 easy multiple-choice questions. It will only take a minute or two, and you may be surprised by what you discover.[\/et_pb_text][et_pb_button button_url=”https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-short” button_text=”Start the Quiz” button_alignment=”center” _builder_version=”4.27.2″ _module_preset=”default” custom_button=”on” button_text_color=”#FFFFFF” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” custom_padding=”||120px||false|false” custom_padding_tablet=”||115px||false|false” custom_padding_phone=”||110px||false|false” top_divider_height_tablet=”95px” top_divider_height_phone=”65px” top_divider_height_last_edited=”off|desktop” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Bankruptcy isn’t something most people want to talk about with their friends. Yes, bankruptcy gets rid of most of your debts, but did you know that there are some debts you might still have to repay because they can’t be included in your bankruptcy?<\/p>\n 3 common kinds of debt that are excluded from bankruptcy<\/a> are:<\/p>\n Also, if you recently racked up credit card bills and now want to go bankrupt, creditors may stop you or ask that you pay more, before they let you get rid of the debt through bankruptcy.<\/p>\n It’s not well known, but it takes at least 9 months to go through all the steps of the bankruptcy process<\/a>. As part of the process, you make payments to your trustee for the costs and fees of going bankrupt<\/a>, and you also have to attend two bankruptcy counselling sessions<\/a>. Completing the process and getting discharged takes longer if you need to pay extra to your creditors because of your situation. If you have assets or too much equity in your home, above what you’re allowed to keep in Manitoba, your trustee will sell your assets for you.<\/p>\n Many people aren’t aware that their trustee<\/a>, their creditors<\/a>, the Office of the Superintendent of Bankruptcy<\/a> or the Court could oppose or delay their discharge from bankruptcy<\/a>. Depending on someone’s situation, they may need to attend a hearing, answer questions under oath and\/or meet additional requirements to obtain their discharge.<\/p>\n Legally eliminating debt through bankruptcy seriously impacts your credit rating and makes it hard to obtain credit later<\/a>. You need to show creditors why they should trust you enough to lend you money again. Not being able to renew your mortgage, get a loan or apply for a low interest rate credit card<\/span><\/a> often impacts other financial plans and puts your life on hold.<\/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=”#ffffff” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” use_background_color_gradient=”on” background_color_gradient_stops=”#e7dff3 0%|rgba(255,255,255,0.85) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#e7dff3″ background_color_gradient_end=”rgba(255,255,255,0.85)” 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” 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 [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_orientation=”center” max_width=”1500px” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n On occasion, the news media will talk to one or two of the people we helped who are comfortable sharing their story with the public. Below are three of these stories.<\/p>\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=”4.16″ 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 TV interviews Julia Fletcher after she eliminates her debt with zero interest & avoids bankruptcy with help from the Credit Counselling Society. See Story Now<\/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 reveals how Dan Robinson paid off $30,000 in debt with no interest with the help of the Credit Counselling Society. Watch the News Story<\/a>[\/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 sits down with Charis who has almost paid off $67,000 worth of debt on 13 credit cards with the assistance of 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 on the news<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”Media Logos – Transparent Bar” _builder_version=”4.16″ 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” global_colors_info=”{}” custom_css_main_element__hover_enabled=”off|desktop” custom_css_main_element__hover=”transition: 0.9s;”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_enable_image=”off” background_size=”initial” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” 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=”4.16″ 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” global_colors_info=”{}”][\/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=”4.16″ 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” 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″ _builder_version=”4.16″ _module_preset=”default” z_index=”10″ 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 You may now be curious as to which bankruptcy alternatives can work for you. The right solution might not just be one option, but a combination of a few different ones. Depending on your situation, 4 options that you likely need more information about are: consolidation loans, debt repayment programs, debt settlement options or a Consumer Proposal.<\/p>\n Consolidation means a lot of things, and while most people think that they need a loan to consolidate their bills and debts, that’s not always possible. If you’ve got a good household budget, a loan might work for you. However, if you’ve been declined for a debt consolidation loan<\/a>, consolidating only your monthly payments might make more sense.<\/p>\n If you happen to have bad credit, you might be worried about consolidating your debts, but consolidating payments doesn’t mean borrowing more money, so credit problems aren’t an issue. That’s how a debt management program with a non-profit credit counselling agency works<\/a>. Your creditors help you by lowering or waiving interest charges. This makes smaller payments possible, saves you thousands in interest and lets you pay back what you borrowed. Your monthly payments are based on what you can afford and there’s no loan to get you deeper into debt.<\/p>\n Repayment and consolidation programs or loans help you pay back what you borrowed – which is a good thing because most people really don’t want to file for bankruptcy and walk away from their debts. However, sometimes it’s possible that only paying back part of a debt may be the best solution. That’s where a debt settlement with a reputable company<\/a> might help. Offering creditors a settlement requires a lump sum of money, but sometimes that’s not as far-fetched an option as you might think.<\/p>\n Sometimes a legal alternative to bankruptcy might be what you need. A Consumer Proposal could be the right solution depending on your situation<\/a>. A Consumer Proposal in Manitoba is arranged by a trustee<\/a>, and by making monthly payments, you pay back part of what you owe. Your creditors have the option to agree to the proposal or not.<\/p>\n The right solution to your debts depends on your circumstances. When you’re busy just trying to get from one pay cheque to the next and avoiding collection calls, you need help to look at your situation with a fresh set of ideas. You need a qualified Debt & Credit Counsellor<\/a> to help you come up with a good plan.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” next_background_color=”#ffffff” admin_label=”Testimonial” _builder_version=”4.16″ background_image=”\/wp-content\/uploads\/2020\/10\/ccs-online-reviews.jpg” background_position=”top_center” 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_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=”” 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” background_last_edited=”on|phone” background_image_phone=”\/wp-content\/uploads\/2020\/10\/ccs-online-reviews.jpg” background_enable_image_phone=”on” background_size_phone=”cover” background_position_tablet=”center_left” background_position_phone=”top_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 column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ 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=”” 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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” global_colors_info=”{}”]<\/p>\n There’s Hope Without Declaring Bankruptcy<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ 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″ 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Their staff is incredible, couldn’t have dealt with a better group of people. They are truly dedicated to finding practical solutions, advocating for your financial future. First they provide hope, then they help and finish by delivering happiness.”<\/p>\n <\/p>\n – Daryl, Actual Client Review from Google<\/em><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”||8px|||” 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 One of our expert Credit Counsellors can help if you need answers to questions about joint debts<\/a>, have questions about debts left over from a divorce<\/a>, want to learn more about alternatives to bankruptcy, or want to know more about how going bankrupt would affect you. They are experts in helping people come up with good solutions to deal with their debts, and would be happy to provide you with the information you need to make an informed decision to get your finances back on track.<\/p>\n Your Counsellor will:<\/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” prev_background_color=”#ffffff” admin_label=”CTA Generic – Purple” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”175px||1px||false|false” custom_padding_tablet=”45px||30px||false|false” custom_padding_phone=”35px||||false|false” top_divider_style=”curve2″ top_divider_height=”110px” top_divider_flip=”horizontal” top_divider_height_tablet=”50px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||||false|false” custom_padding_tablet=”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|||” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]Free Credit Counselling Appointments & Consultations in Manitoba [\/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=”{}”]<\/p>\n Each year we help thousands of people just like you successfully deal with their debts. Looking forward to a debt-free financial future really is possible. To learn more or to schedule a free, confidential, no-obligation appointment with one of our professionally trained Credit Counsellors who serves Manitoba, contact us today at 1-888-527-8999, email us or chat with us online.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” _builder_version=”4.17.4″ _module_preset=”default” max_width=”600px” custom_padding=”||140px||false|false” custom_padding_tablet=”||100px||false|false” custom_padding_phone=”||100px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” global_colors_info=”{}”][et_pb_button button_url=”#hs-chat-open” button_text=”Online Chat” button_alignment=”center” admin_label=”Button 1″ _builder_version=”4.17.4″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ background_layout=”dark” custom_padding=”|60px||60px|false|false” animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” background_color=”RGBA(255,255,255,0)” global_colors_info=”{}”][et_pb_button button_url=”\/contact-us#options” button_text=”Make an Appointment” button_alignment=”center” admin_label=”Button 2″ _builder_version=”4.17.4″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ background_layout=”dark” animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/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=”4.16″ background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”#e7dff3 0%|#e7dff3 100%” 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=”” 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;” 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″ z_index=”6″ custom_padding=”30px||||false|false” animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_3_font=”|600|||||||” header_3_text_color=”rgba(0,0,0,0.5)” header_3_font_size=”26px” custom_padding=”||||false|false” global_colors_info=”{}”]<\/p>\n Our goal is to always put consumers first and look out for their best interests in everything we do. 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top_divider_style=”wave2″ top_divider_color=”#e7dff3″ top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _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 Related Articles of Interest<\/b><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _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 Related Links<\/b><\/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” _builder_version=”4.16″ _module_preset=”default” custom_padding=”28px||100px||false|false” custom_padding_tablet=”||80px||false|false” custom_padding_phone=”||50px||false|false” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”] <\/p>\n The Credit Counselling Society<\/span><\/a> also helps those who are having difficulty with their payday loans – even online loans – in Manitoba<\/a>.<\/p>\n <\/p>\n Winnipeg<\/span><\/a> | <\/span>Brandon <\/span><\/a> <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Manitoba Bankruptcy Alternatives & OptionsGet all your options, and get back on track.Personal Bankruptcy Manitoba – Facts, Options & Alternatives No one wants to file for bankruptcy. Find other options and get more information before taking such a drastic step. Personal Bankruptcy in Manitoba – When you can’t afford to pay your bills and debts […]<\/p>\n","protected":false},"author":3,"featured_media":12079,"parent":25263,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-25280","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nTypes of Debts – What Bankruptcy Won’t Do For You<\/h2>\n
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Bankruptcy Procedures – The Process of Working with Your Trustee to Attain Your Discharge<\/h3>\n
Your Credit Rating & Bankruptcy in Canada<\/h3>\n
People We’ve Helped Interviewed on CTV News and Global TV<\/h2>\n
Manitoba Bankruptcy Alternatives<\/h2>\n
Consolidation & Debt Repayment Plans<\/h3>\n
Settle Debt<\/h3>\n
Consumer Proposal<\/h3>\n
What’s My Best Option?<\/h3>\n
Non Profit Bankruptcy Information & Credit Counselling Advice in Manitoba<\/h2>\n
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Putting Your Interests First<\/h3>\n
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