[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\/07\/discovering-ways-to-consolidate-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=”{}”]Ontario 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_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=”4.27.4″ _module_preset=”default” header_line_height=”1.1em” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
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No one wants to declare bankruptcy<\/b>. Find out what other options you have. Get more information before you make such a serious decision.<\/em><\/p>\n Bankruptcy in Ontario<\/span><\/b> – Bankruptcy can be the only thing that comes to mind when you realize that you can’t afford to pay your debts and bills. It might be a good solution for your debt problems. But, before filing bankruptcy, you need to know more about your options, how the process works and what it could mean for you and your family in the future. We can help you avoid a possible mistake by showing you your other options first.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA – 4 Question Quiz – Bankruptcy” _builder_version=”4.22.0″ background_color=”#5B25AF” background_enable_image=”off” parallax=”on” parallax_method=”off” max_width=”100%” custom_margin=”-100px||||false|false” custom_margin_tablet=”” custom_margin_phone=”-35px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”299px||200px||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”220px||170px||false|false” top_divider_style=”ramp2″ top_divider_color=”#E7DFF3″ top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_color_tablet=”#ffffff” top_divider_color_phone=”#ffffff” top_divider_color_last_edited=”on|phone” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#FFFFFF” bottom_divider_height=”150px” bottom_divider_arrangement=”above_content” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” temp_global_module=”50512″ saved_tabs=”all” ab_subject=”on” ab_subject_id=”1″ 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 _builder_version=”4.16″ temp_global_parent=”50512″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ temp_global_parent=”50512″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.23.4″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.7)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50512″ inline_fonts=”Work Sans” global_colors_info=”{}”]You Probably Have Other Options[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.23.4″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50512″ inline_fonts=”Work Sans” global_colors_info=”{}”]See How One of Our Credit Counsellors Can Help You[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.23.4″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50512″ global_colors_info=”{}”]If you can take a minute to answer 4 multiple-choice questions, you can find out how one of our credit counsellors can help you. It will only take a minute, and what you discover may surprise you.[\/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=”4.23.4″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” temp_global_parent=”50512″ ab_goal=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off|desktop” button_text_color__hover_enabled=”on|hover” 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=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA – 9 Question Quiz – Bankruptcy” _builder_version=”4.22.0″ background_color=”#5B25AF” background_enable_image=”off” parallax=”on” parallax_method=”off” max_width=”100%” custom_margin=”-100px||||false|false” custom_margin_tablet=”” custom_margin_phone=”-35px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”299px||200px||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”220px||170px||false|false” top_divider_style=”ramp2″ top_divider_color=”#E7DFF3″ top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_color_tablet=”#ffffff” top_divider_color_phone=”#ffffff” top_divider_color_last_edited=”on|phone” top_divider_height_tablet=”150px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#FFFFFF” bottom_divider_height=”150px” bottom_divider_arrangement=”above_content” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”105px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|tablet” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” temp_global_module=”50512″ saved_tabs=”all” ab_subject=”on” ab_subject_id=”2″ locked=”off” collapsed=”on” 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″ temp_global_parent=”50512″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ temp_global_parent=”50512″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.22.0″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.7)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50512″ inline_fonts=”Work Sans” global_colors_info=”{}”]You Probably Have Other Options[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.22.0″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”1000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50512″ inline_fonts=”Work Sans” global_colors_info=”{}”]See What They Are[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.22.0″ text_text_color=”#ffffff” text_font_size=”18px” text_line_height=”1.6em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-15px||||false|false” animation_direction=”bottom” animation_duration_tablet=”1500ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” animation_delay_tablet=”2000ms” animation_delay_phone=”” animation_delay_last_edited=”on|tablet” text_text_shadow_style=”preset2″ temp_global_parent=”50512″ global_colors_info=”{}”]You may firmly believe that bankruptcy is the only way to resolve your financial situation, but it’s very possible that other viable options are available to you – other options that could potentially help you achieve your financial objectives sooner, with far more privacy, and with far less of an impact to your credit or career. Every option has pros and cons, but it’s worth taking a few minutes to see what your options look like and whether you think you’d like to look into any of them further.[\/et_pb_text][et_pb_button button_url=”https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-medium” button_text=”See My Options” button_alignment=”center” _builder_version=”4.23.4″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ animation_style=”fade” animation_duration=”2000ms” animation_starting_opacity=”30%” animation_duration_tablet=”1000ms” animation_duration_phone=”” animation_duration_last_edited=”on|tablet” temp_global_parent=”50512″ ab_goal=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off|desktop” button_text_color__hover_enabled=”on|hover” 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=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _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 Ontario, your trustee will sell your assets for you.<\/p>\n You should also know that your bankruptcy trustee<\/a>, your creditors<\/a>, the Office of the Superintendent of Bankruptcy<\/a> or the Court can oppose or delay your discharge<\/a>. Depending on your circumstances, you may need to attend a hearing, answer questions under oath and\/or meet the additional requirements to obtain your 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 From time to time, the news media interviews some of those we helped who are comfortable sharing their story publicly. Below are three of these experiences with the Credit Counselling Society.<\/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 News interviews Julia Fletcher after she avoided bankruptcy and eliminated her debt with help from the Credit Counselling Society. Watch News Clip<\/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 story shows how Dan Robinson pays off $30,000 in debt with zero interest after getting help from the Credit Counselling Society. CTV – Help to Pay Down Debt<\/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 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 examples of the Credit Counselling Society appearing in the local and national 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 By now you may be wondering which alternatives to bankruptcy could work for you. There are a number of options and the best solution might mean combining some of them. Depending on your circumstances, 4 options that you may not have considered are: consolidation loans, debt repayment programs, debt settlement options or a Consumer Proposal.<\/p>\n When you hear the words “debt consolidation,” you probably think that this means consolidating your bills and other debts into a new loan. This could work for you if you’ve got a realistic budget. For many people, it makes more sense to consolidate only their monthly payments. Don’t worry if you’ve been turned down for a consolidation loan by your lender. There are other types of debt consolidation to consider<\/a>.<\/p>\n Consolidating payments doesn’t involve borrowing more money, so there’s never a problem with bad credit. That’s how a debt management program and plan<\/a> with a non-profit credit counselling organization works. Creditors help by lowering or waiving interest charges while you’re making your payments. This lets you pay off your debts and saves you thousands in interest and fees. What you pay each month is based on what you can afford after you’ve had help to create a realistic budget.<\/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 Ontario 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=”” transform_translate_last_edited=”on|tablet” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” width=”75%” width_tablet=”100%” width_phone=”” width_last_edited=”on|tablet” max_width=”100%” max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|phone” height=”100%” max_height=”100%” custom_margin=”||||false|false” custom_padding=”0px||0px||false|false” transform_styles_tablet=”” transform_styles_phone=”” custom_css_main_element=”align-items: center;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ background_color=”rgba(91,37,175,0.7)” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate=”86px|0px” transform_translate_tablet=”0px|0px” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” custom_padding=”240px||240px||false|false” custom_padding_tablet=”240px||215px||false|false” custom_padding_phone=”170px||230px||false|false” custom_padding_last_edited=”on|tablet” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” transform_styles_tablet=”” transform_styles_phone=”” border_color_all=”#000000″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.16″ 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″ text_orientation=”center” max_width=”75%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”80px” custom_margin=”-15px||30px||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]<\/p>\n “Whatever your financial worries, trepidation or fear of being judged\/forced into bankruptcy – get CCS to help. 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=”||7px|||” 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 Get answers to your questions about joint debts or debts remaining after a divorce<\/a>, find out why someone should not file for bankruptcy, or learn more about bankruptcy alternatives from one of our Debt & Credit Counsellors! They are experts in helping people find solutions to their debt and money problems, and they’d be happy to give you with the information you need to make choices that will benefit your financial future.<\/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 Ontario, [\/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 We are experts in helping individuals and families just like you find good solutions to their debt problems. It really is possible to get back on track and look forward to being debt free. To find out more or to schedule a free, confidential appointment with one of our Credit Counsellors who serves Ontario, 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. One way we do this is through transparency and accountability. We are held accountable to the most rigorous standards in our industry.<\/p>\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” 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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: 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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: grid;||margin: auto;||margin-top: 0;” custom_css_main_element_phone=”width: 100%!important;”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/bbb-accredited-bx-1.png” alt=”Accredited by the Better Business Bureau.” title_text=”Accredited by the Better Business Bureau” url=”\/about-us\/accredited-credit-counselling#better-business-bureau” align=”center” align_tablet=”left” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.27.4″ _module_preset=”default” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”-50px|0px” transform_translate_phone=”0px|0px” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|tablet” transform_skew_tablet=”” transform_skew_phone=”” 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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” custom_padding=”||13px|||” 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=”0px||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<\/a><\/span> also offers assistance to people who need help with their payday loans in Ontario (even online ones)<\/a>.<\/p>\n [\/et_pb_text][et_pb_toggle title=”Communities in Ontario We Serve” open_toggle_background_color=”#FFFFFF” closed_toggle_background_color=”#FFFFFF” _builder_version=”4.17.4″ _module_preset=”default” title_text_align=”center” global_colors_info=”{}”]<\/p>\n Greater Toronto Area (GTA)<\/strong><\/span><\/p>\n Toronto<\/span><\/a> | <\/span>Scarborough<\/span><\/a> | <\/span>North York<\/span><\/a> | <\/span>Etobicoke <\/span><\/a><\/p>\n Region of Peel<\/strong><\/span><\/a><\/p>\n Mississauga<\/span><\/a> | Brampton<\/a> | Caledon<\/a><\/span><\/p>\n York Region<\/strong><\/a><\/span><\/p>\n Vaughan<\/a> | Thornhill<\/a> | Richmond Hill<\/a> | Markham<\/a> | Aurora<\/a> | Newmarket<\/a> | King | Whitchurch-Stouffville | East Gwillimbury | Georgina | Keswick<\/a> <\/span><\/p>\n Durham Region<\/strong><\/a><\/span><\/p>\n Pickering<\/a> | Ajax<\/a> | Whitby<\/a> | Oshawa<\/a> | Uxbridge | Scugog | Brock | Clarington<\/span><\/p>\n Halton Region<\/strong><\/a><\/span><\/p>\n Oakville<\/span><\/a> | Milton<\/a> | Burlington<\/a> | Halton Hills<\/a> | Georgetown<\/a> <\/span><\/p>\n Ottawa<\/span><\/a> | Kanata<\/a> | Kingston<\/a> | Belleville<\/a> | Orillia<\/a> | Barrie<\/a> | Waterloo<\/a> | Kitchener<\/a> | Guelph<\/a> | Cambridge<\/a> | Hamilton<\/a> | Brantford<\/a> | London<\/a> | North Bay<\/a> | Sault Ste. Marie<\/a> | Thunder Bay<\/a> | Midland<\/a> | Leamington<\/a> | Chatham-Kent<\/a> | Chatham<\/a> | Woodstock<\/a> | Sarnia<\/a> | Timmins<\/a> | Bolton<\/a> | Bradford<\/a> | Bowmanville<\/a> | Stratford<\/a> | Orangeville <\/a>| Pembroke<\/a> | Essex<\/a> | St. Thomas<\/a> | Napanee<\/a> | Paris<\/a> | Smiths Falls<\/a> | Owen Sound<\/a> | Valley East<\/a> | Lindsay<\/a> | Collingwood<\/a> | Fort Erie<\/a> | Alliston<\/a> | Tillsonburg<\/a> | Simcoe<\/a> | Strathroy<\/a> <\/span> <\/span> | Peterborough<\/a> | St. Catharines<\/a> | Niagara Falls<\/a> | Welland<\/a> | Port Colborne<\/a> [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Ontario Bankruptcy Alternatives & OptionsGet all your options, and get back on track.Personal Bankruptcy OntarioFacts, Alternatives & Options No one wants to declare bankruptcy. Find out what other options you have. Get more information before you make such a serious decision. Bankruptcy in Ontario – Bankruptcy can be the only thing that comes to mind […]<\/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":"","_lmt_disable":"","footnotes":""},"class_list":["post-25283","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nTypes of Debts – What Bankruptcy Can’t Do<\/h2>\n
\n
Bankruptcy Procedures – The Process of Working with Your Trustee to Attain Your Discharge<\/h3>\n
Your Credit Rating & Bankruptcy in Ontario<\/h3>\n
People We Helped Interviewed by the News Media<\/h2>\n
Ontario Bankruptcy Alternatives<\/h2>\n
Consolidation & Debt Repayment Plans<\/h3>\n
Settling Your Debts<\/h3>\n
Filing for a Consumer Proposal<\/h3>\n
How Do I Decide Which Option to Go For?<\/h3>\n
Non Profit Bankruptcy Information & Credit Counselling Advice in Ontario<\/h2>\n
\n
Putting Your Interests First<\/h3>\n
\n
\n
<\/span><\/p>\n