{"id":25284,"date":"2020-11-25T22:04:42","date_gmt":"2020-11-25T22:04:42","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=25284"},"modified":"2025-06-06T01:31:56","modified_gmt":"2025-06-06T08:31:56","slug":"saskatchewan","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan","title":{"rendered":"Bankruptcy Saskatchewan &#8211; Learn About Alternatives &amp; Options | Canada"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/08\/unsecured-vs-secured-debts_hero.jpg&#8221; min_height=&#8221;550px&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|phone&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;top_center&#8221; background_position_phone=&#8221;top_center&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||80px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]Saskatchewan Bankruptcy Alternatives &amp; Options[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]Discover 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=&#8221;1&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;||60px||false|false&#8221; custom_padding_tablet=&#8221;||115px||false|false&#8221; custom_padding_phone=&#8221;||110px||false|false&#8221; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; hover_enabled=&#8221;0&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<h1>Personal Bankruptcy Saskatchewan &#8211; Facts, Alternatives &amp; Options<\/h1>\n<!-- Declaring or Filing for Personal Bankruptcy in Saskatchewan - You Need to Know the Facts, Your Options & Alternatives -->\n\n<em><b>No one wants to file for bankruptcy<\/b>. Find other options and get more information before taking such a drastic step.<\/em>\n\n<b><a href=\"https:\/\/nomoredebts.org\/\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #666666;\">Personal Bankruptcy in Saskatchewan<\/span><\/a><\/b> &#8211; When you can&#8217;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.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; top_divider_style=&#8221;curve2&#8243; top_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#FFFFFF&#8221; bottom_divider_height=&#8221;150px&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; hover_enabled=&#8221;0&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243; global_module=&#8221;50381&#8243; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;|auto||auto|false|false&#8221; custom_padding=&#8221;100px||100px||false|false&#8221; custom_padding_tablet=&#8221;100px||100px||false|false&#8221; custom_padding_phone=&#8221;70px||70px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; text_text_color=&#8221;rgba(255,255,255,0.6)&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243; custom_margin=&#8221;||18px|||&#8221;]Want to know how we can help you?[\/et_pb_text][et_pb_text _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; text_text_color=&#8221;#FFFFFF&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]Just respond to these 4 simple questions[\/et_pb_text][et_pb_text _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]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_text=&#8221;Start the Quiz&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; button_url=&#8221;\/financial-tools-resources\/debt-quiz-assessment-tool-short-2&#8243; button_alignment=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_use_icon=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;||120px||false|false&#8221; custom_padding_tablet=&#8221;||115px||false|false&#8221; custom_padding_phone=&#8221;||110px||false|false&#8221; top_divider_height_tablet=&#8221;95px&#8221; top_divider_height_phone=&#8221;65px&#8221; top_divider_height_last_edited=&#8221;off|desktop&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<h2>Types of Debts &#8211; What Bankruptcy Won&#8217;t Do<\/h2><p>Bankruptcy isn&#8217;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&#8217;t be included in your bankruptcy?<\/p><p>3 common <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/secured-non-secured-debts-in-bankruptcy\">kinds of debt that are excluded from bankruptcy<\/a> are:<\/p><ul><li>Secured debts, like a car loan or <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-mortgage-foreclosure\">mortgage<\/a><\/li><li>Student loans, if they are less than 7 years old<\/li><li>Child and alimony support payments that aren&#8217;t up to date<\/li><\/ul><p>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> <h3>Bankruptcy Procedures &#8211; The Process of Working with Your Trustee to Attain Your Discharge<\/h3><p>Filing for bankruptcy is the easy part. Did you know that it takes at least 9 months to <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-process-steps\">complete the whole bankruptcy process<\/a>? During that time, there are <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/cost-and-fees-of-declaring-bankruptcy\">costs and fees to pay to your trustee for bankruptcy<\/a>. You are also required to <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-counselling-attend-two-sessions-step-7\">attend two bankruptcy counselling sessions<\/a>. Depending on your situation, if you have to pay extra money to your creditors, completing the process will take longer. If you have too much equity in your home, or assets above what you&#8217;re allowed to keep in Saskatchewan, your trustee will sell your assets for you.<\/p><p>Many people aren&#8217;t aware that <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-definitions-glossary\/what-is-a-bankruptcy-trustee-debtor-creditor\">their trustee<\/a>, <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-definitions-glossary\/what-is-a-bankruptcy-trustee-debtor-creditor\">their creditors<\/a>, the <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/office-of-superintendent-of-bankruptcy-osb\">Office of the Superintendent of Bankruptcy<\/a> or the Court could oppose or delay their <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/what-does-bankruptcy-discharge-mean\">discharge from bankruptcy<\/a>. Depending on someone&#8217;s situation, they may need to attend a hearing, answer questions under oath and\/or meet additional requirements to obtain their discharge.<\/p><h3>Your Credit Rating &amp; Bankruptcy in Canada<\/h3><p>Bankruptcy is noted on your credit report and seriously impacts your credit rating. Despite what people say, <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/how-to-rebuild-credit-after-bankruptcy\">getting credit after you have eliminated your debts<\/a> legally through bankruptcy is not easy. It takes patience and time to prove yourself to creditors again. Until they trust you enough to lend you money again, your financial plans might be on hold because you won&#8217;t be able to take out a loan, renew your mortgage or apply for a <a href=\"https:\/\/mymoneycoach.ca\/credit\/interest-rates\/how-to-get-a-low-credit-card-interest-rate\" target=\"_blank\" rel=\"noopener\">low interest rate<\/a> credit card.<\/p> [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#e7dff3 0%|rgba(255,255,255,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#e7dff3&#8243; background_color_gradient_end=&#8221;rgba(255,255,255,0.85)&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg&#8221; background_position=&#8221;top_center&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;||170px|||&#8221; custom_padding_tablet=&#8221;||150px||false|false&#8221; custom_padding_phone=&#8221;||120px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;100px&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|tablet&#8221; background_enable_image_tablet=&#8221;off&#8221; background_size_tablet=&#8221;cover&#8221; background_position_tablet=&#8221;center_left&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_text_align=&#8221;center&#8221; custom_margin=&#8221;||16px|||&#8221; global_colors_info=&#8221;{}&#8221;]<h2>Canadians We Helped Interviewed on the News<\/h2>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;1500px&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<p >Occasionally, the news media will speak with people we helped who are comfortable with publicly sharing their experiences. Here are a few of their stories.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1500px&#8221; custom_padding=&#8221;||30px|||&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;  margin: auto;||  width: 50%;||&#8221; custom_css_main_element_phone=&#8221; &#8220;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-1.jpg&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]Global News interviews Julia Fletcher after she avoided bankruptcy and eliminated her debt with help from the Credit Counselling Society. <a href=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" target=\"_blank\" rel=\"noopener\">Watch News Clip<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_scale_last_edited=&#8221;off|desktop&#8221; transform_translate_last_edited=&#8221;off|desktop&#8221; transform_translate_linked__hover=&#8221;off&#8221; transform_rotate_last_edited=&#8221;off|desktop&#8221; transform_skew_last_edited=&#8221;off|desktop&#8221; transform_origin_last_edited=&#8221;off|desktop&#8221; transform_styles_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-2_3.jpg&#8221; url=&#8221;https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]CTV story shows how Dan Robinson pays off $30,000 in debt with zero interest after getting help from the Credit Counselling Society. <a href=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" target=\"_blank\" rel=\"noopener\">CTV &#8211; Help to Pay Down Debt<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/client-4_3.jpg&#8221; url=&#8221;https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]Charis is interviewed by Global TV after nearly paying off $67,000 on 13 credit cards. The Credit Counselling Society helped her. <a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener\">Watch<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||50px|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align: center;\">See more <a href=\"https:\/\/nomoredebts.org\/press-media\">examples of the Credit Counselling Society in the news<\/a>.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;5%&#8221; module_alignment_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element__hover=&#8221;transition: 0.9s;&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; background__hover_enabled=&#8221;off|hover&#8221; background_enable_image__hover=&#8221;off&#8221; filter_opacity__hover_enabled=&#8221;off|hover&#8221; custom_css_main_element__hover_enabled=&#8221;off|hover&#8221;][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png&#8221; align=&#8221;center&#8221; admin_label=&#8221;Media Logos&#8221; _builder_version=&#8221;4.16&#8243; positioning=&#8221;absolute&#8221; position_origin_a=&#8221;top_center&#8221; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_image src=&#8221;\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-3-description-3.png&#8221; align=&#8221;center&#8221; src_tablet=&#8221;\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png&#8221; src_phone=&#8221;\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png&#8221; src_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Description&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|phone&#8221; module_alignment=&#8221;center&#8221; filter_opacity=&#8221;0%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; filter_opacity__hover_enabled=&#8221;on|desktop&#8221; filter_opacity__hover=&#8221;100%&#8221; src__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; z_index=&#8221;10&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;] <h2>Saskatchewan Bankruptcy Alternatives<\/h2><p>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><h3>Debt Consolidation &amp; Debt Repayment Plans<\/h3><p>Consolidation means a lot of things, and while most people think that they need a loan to consolidate their bills and debts, that&#8217;s not always possible. If you&#8217;ve got a good household budget, a loan might work for you. However, if you&#8217;ve been <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\">declined for a debt consolidation loan<\/a>, consolidating only your monthly payments might make more sense.<\/p><p>If you happen to have bad credit, you might be worried about consolidating your debts, but consolidating payments doesn&#8217;t mean borrowing more money, so credit problems aren&#8217;t an issue. That&#8217;s <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp\">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&#8217;s no loan to get you deeper into debt.<\/p><h3>Debt Settlement<\/h3><p>Repayment and consolidation programs or loans help you pay back what you borrowed &#8211; which is a good thing because most people really don&#8217;t want to file for bankruptcy and walk away from their debts. However, sometimes it&#8217;s possible that only paying back part of a debt may be the best solution. That&#8217;s where <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-settlements-canada\">a debt settlement with a reputable company<\/a> might help. Offering creditors a settlement requires a lump sum of money, but sometimes that&#8217;s not as far-fetched an option as you might think.<\/p><h3>Consumer Proposal<\/h3><p>Sometimes a legal alternative to bankruptcy might be what you need. A <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal-canada\">Consumer Proposal could be the right solution depending on your situation<\/a>. A <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal-canada\/saskatchewan\">Consumer Proposal in Saskatchewan 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><h3>What&#8217;s My Best Option?<\/h3><p>By now you can likely gather that a lot depends on your situation. And regardless of what you&#8217;ve tried in the past, you need help taking an objective look at your whole financial situation with a fresh set of eyes. You need a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-counsellor-qualifications-certifications\">trained and certified Credit Counsellor<\/a> to help you come up with a good plan.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; background_image=&#8221;\/wp-content\/uploads\/2020\/10\/ccs-online-reviews.jpg&#8221; background_position=&#8221;top_center&#8221; transform_scale_last_edited=&#8221;off|phone&#8221; transform_translate_last_edited=&#8221;off|phone&#8221; transform_rotate_last_edited=&#8221;off|phone&#8221; transform_skew_last_edited=&#8221;off|phone&#8221; transform_origin_last_edited=&#8221;off|phone&#8221; transform_styles_last_edited=&#8221;off|phone&#8221; z_index=&#8221;-10&#8243; height=&#8221;750px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; 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animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1.2em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align: left;\">There&#8217;s a Way Out of Debt Without Bankruptcy<\/p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align: left;\">&#8220;I&#8217;m so grateful for the help of The Credit Counselling Society. I honestly didn&#8217;t know what to do. I got myself in debt way more than I could handle. And it&#8217;s nice to know that I&#8217;m paying off my debt with their help rather than claiming bankruptcy. Thank you so much everybody that spoke with me at the credit counselling.&#8221;<\/p>\r\n<p style=\"text-align: left;\">&nbsp;<\/p>\r\n<p style=\"text-align: left;\"><em>&#8211; Tammy, Actual Client Review from Facebook<\/em><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; custom_padding=&#8221;||6px|||&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;] <h2>Non Profit Bankruptcy Information &amp; Credit Counselling Advice in Saskatchewan<\/h2><p>One of our expert Credit Counsellors can help if you need <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/joint-debts-in-bankruptcy-divorce-debt\">answers to questions about joint debts<\/a>, have questions about <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/joint-debts-in-bankruptcy-divorce-debt\">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><p>Your Counsellor will:<\/p><ul><li>Explain all of your <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-alternatives-consumer-proposal-consolidation-settlement-dmp\">bankruptcy alternatives and debt relief options<\/a><\/li><li>Show you how to budget effectively for all of your household expenses<\/li><li>Recommend bankruptcy trustees in Saskatchewan if it looks like declaring bankruptcy is the right option<\/li><li>Provide answers and information so that you can choose the best way of dealing with your debts<\/li><\/ul> [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;CTA Generic &#8211; Purple&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#5b25af&#8221; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;175px||1px||false|false&#8221; custom_padding_tablet=&#8221;45px||30px||false|false&#8221; custom_padding_phone=&#8221;35px||||false|false&#8221; top_divider_style=&#8221;curve2&#8243; top_divider_height=&#8221;110px&#8221; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_tablet=&#8221;50px&#8221; top_divider_height_phone=&#8221;40px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_style_last_edited=&#8221;off|tablet&#8221; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;70px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; scroll_blur=&#8221;0|40|60|100|100px|0px|0px&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Service Section Title&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|auto||auto|false|false&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;100px||||false|false&#8221; custom_padding_phone=&#8221;100px||||false|false&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; custom_padding=&#8221;||0px|||&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]Free, Confidential Credit Counselling Appointments for Saskatchewan, [\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;0px|||||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<p>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 Saskatchewan, contact us today at 1-888-527-8999, email us or chat with us online.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;600px&#8221; custom_padding=&#8221;||140px||false|false&#8221; custom_padding_tablet=&#8221;||100px||false|false&#8221; custom_padding_phone=&#8221;||100px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;#hs-chat-open&#8221; button_text=&#8221;Online Chat&#8221; button_alignment=&#8221;center&#8221; 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One way we do this is through transparency and accountability. 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top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<p><b>Related Articles of Interest<\/b><\/p><ul><li><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\">More Information About Bankruptcy in Canada<\/a><\/li><li><a href=\"https:\/\/nomoredebts.org\/blog\/bankruptcy\/7-bankruptcy-myths\">Common Bankruptcy Myths<\/a><\/li><li><a href=\"https:\/\/nomoredebts.org\/blog\/bankruptcy\/declare-bankruptcy-consolidate-credit-debt-learn-money-skills\">Will Bankruptcy Solve My Debt Problems?<\/a><\/li><\/ul>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<p><b>Related Links<\/b><\/p><ul><li><a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/bsf-osb.nsf\/eng\/home\" target=\"_blank\" rel=\"noopener\">The Office of the Superintendent of Bankruptcy in Saskatchewan<\/a><\/li><li><a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/bsf-osb.nsf\/eng\/br01467.html\" target=\"_blank\" rel=\"noopener\">Insolvency Glossary<\/a><\/li><li><a href=\"https:\/\/nomoredebts.org\/contact-us\/locations#saskatchewan\">Credit Counselling Society Saskatchewan office locations<\/a><\/li><\/ul>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;26px||100px||false|false&#8221; custom_padding_tablet=&#8221;||80px||false|false&#8221; custom_padding_phone=&#8221;||50px||false|false&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align: center;\">The <a href=\"https:\/\/nomoredebts.org\/debt-relief-canada\/saskatchewan\">Credit Counselling Society<\/a> also provides help to those who are struggling with <a href=\"https:\/\/nomoredebts.org\/payday-loans-online-help-canada\/saskatchewan\">payday loans &#8211; including online loans &#8211; in Saskatchewan<\/a>.<\/p>\n&nbsp;\n<p style=\"text-align: center;\"><span style=\"font-size: 12px;\"><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/regina\"><span style=\"color: #a9a9a9;\">Regina<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/saskatoon\"><span style=\"color: #a9a9a9;\">Saskatoon<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/prince-albert\"><span style=\"color: #a9a9a9;\">Prince Albert<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/moose-jaw\"><span style=\"color: #a9a9a9;\">Moose Jaw<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/lloydminster\"><span style=\"color: #a9a9a9;\">Lloydminster<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/yorkton\"><span style=\"color: #a9a9a9;\">Yorkton<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/swift-current\"><span style=\"color: #a9a9a9;\">Swift Current<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/north-battleford\"><span style=\"color: #a9a9a9;\">North Battleford<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/estevan\"><span style=\"color: #a9a9a9;\">Estevan<\/span><\/a><span style=\"color: #a9a9a9;\"> | <\/span><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\/weyburn\"><span style=\"color: #a9a9a9;\">Weyburn<\/span><\/a><span style=\"color: #a9a9a9;\"> <\/span><\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Saskatchewan Bankruptcy Alternatives &amp; OptionsDiscover all your options and get back on track.Personal Bankruptcy Saskatchewan &#8211; Facts, Alternatives &amp; Options No one wants to file for bankruptcy. Find other options and get more information before taking such a drastic step. Personal Bankruptcy in Saskatchewan &#8211; When you can&#8217;t afford to pay your bills and debts [&hellip;]<\/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-25284","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bankruptcy Saskatchewan - Learn About Alternatives &amp; Options | Canada<\/title>\n<meta name=\"description\" content=\"You may not have to declare bankruptcy in Saskatchewan. Look at your alternatives before making a decision. Call 1-888-527-8999 to get more information.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankruptcy Saskatchewan - Learn About Alternatives &amp; Options | Canada\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/saskatchewan\" \/>\n<meta property=\"og:site_name\" content=\"Credit Counselling Society\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/nomoredebts\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-06T08:31:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/Google-Profile-Picture.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@CrdtCounselSoc\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Bankruptcy Saskatchewan - Learn About Alternatives & Options | Canada","description":"You may not have to declare bankruptcy in Saskatchewan. 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