[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”\/wp-content\/uploads\/2020\/06\/struggling-with-debt_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”top_center” background_position_phone=”top_center” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||80px||false|false” custom_padding_tablet=”” custom_padding_phone=”” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Yukon Bankruptcy Info & Alternatives[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Get all your options, and get back on track.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” _builder_version=”4.19.5″ _module_preset=”default” background_color=”#e7dff3″ custom_padding=”||60px||false|false” custom_padding_tablet=”||115px||false|false” custom_padding_phone=”||110px||false|false” bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” hover_enabled=”0″ da_disable_devices=”off|off|off” global_colors_info=”{}” sticky_enabled=”0″ 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=”4.19.5″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
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No one wants to file for bankruptcy<\/b>. Find other options and get more information before taking such a drastic step.<\/em><\/p>\n Personal Bankruptcy in the Yukon<\/span><\/a><\/b> – Bankruptcy might be the first thing you think of when you realize that you can’t keep up with your bills and debts. It might even be the right debt solution for you. But, before declaring bankruptcy, you need to know your options, how the process works and how it will affect you and your family in the years to come. Let us help you avoid a mistake by explaining all of your options first.[\/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 – Start the Quiz” _builder_version=”4.19.5″ background_enable_color=”off” background_image=”\/wp-content\/uploads\/2020\/03\/credit-counselling-couple-3-scaled-purple.jpg” parallax=”on” parallax_method=”off” max_width=”100%” custom_margin=”0px||||false|false” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”30px||||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”50px||||false|false” top_divider_style=”curve2″ top_divider_color=”#E7DFF3″ top_divider_flip=”horizontal|vertical” top_divider_color_tablet=”#ffffff” top_divider_color_phone=”#ffffff” top_divider_color_last_edited=”off|desktop” top_divider_height_tablet=”” top_divider_height_phone=”” 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” global_module=”49348″ saved_tabs=”all” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.17.4″ custom_margin=”0px|auto||auto|false|false” custom_padding=”100px||30px||false|false” custom_padding_tablet=”100px||30px||false|false” custom_padding_phone=”70px||||false|false” animation_style=”fade” 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=”4.17.4″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” 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” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]Want to know how we can help you?[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.17.4″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1.2em” 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” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]Just respond to these 4 simple questions[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.17.4″ text_font=”||||||||” 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” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”|||” animation_direction=”bottom” global_colors_info=”{}”]To see how we can help you, simply answer these 4 easy multiple-choice questions. It will only take a minute or two, and you may be surprised by what you discover.[\/et_pb_text][et_pb_button button_url=”\/financial-tools-resources\/debt-quiz-assessment-tool-short” button_text=”Start the Quiz” button_alignment=”center” _builder_version=”4.17.4″ _module_preset=”default” custom_button=”on” button_icon=”5||divi||400″ custom_padding=”||||false|false” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_enable_color=”off” custom_padding=”||120px||false|false” custom_padding_tablet=”||115px||false|false” custom_padding_phone=”||110px||false|false” top_divider_height_tablet=”95px” top_divider_height_phone=”65px” top_divider_height_last_edited=”off|desktop” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n It’s easy for people to tell you that bankruptcy helped them eliminate their debts, but do they also tell you that it’s not possible for everyone? Some debts might still have to be paid because by law, they can’t be included when you file for 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 the Yukon, your trustee will sell your assets for you.<\/p>\n Many people aren’t aware that their trustee<\/a>, their creditors<\/a>, the Office of the Superintendent of Bankruptcy<\/a> or the Court could oppose or delay their discharge from bankruptcy<\/a>. Depending on someone’s situation, they may need to attend a hearing, answer questions under oath and\/or meet additional requirements to obtain their discharge.<\/p>\n Legally eliminating debt through bankruptcy seriously impacts your credit rating and makes it hard to obtain credit later<\/a>. You need to show creditors why they should trust you enough to lend you money again. Not being able to renew your mortgage, get a loan or apply for a low interest rate credit card<\/span><\/a> often impacts other financial plans and puts your life on hold.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” use_background_color_gradient=”on” background_color_gradient_stops=”#e7dff3 0%|rgba(255,255,255,0.85) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#e7dff3″ background_color_gradient_end=”rgba(255,255,255,0.85)” background_image=”\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg” background_position=”top_center” z_index=”0″ custom_padding=”||170px|||” custom_padding_tablet=”||150px||false|false” custom_padding_phone=”||120px||false|false” bottom_divider_style=”curve2″ bottom_divider_height=”100px” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|tablet” background_enable_image_tablet=”off” background_size_tablet=”cover” background_position_tablet=”center_left” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_text_align=”center” custom_margin=”||16px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_orientation=”center” max_width=”1500px” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n At times, the news media will interview one of the people we helped who are comfortable sharing their story with the public. Below are three of these stories.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1500px” custom_padding=”||30px|||” use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=” margin: auto;|| width: 50%;||” custom_css_main_element_phone=” “][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” custom_padding=”0px|0px|0px|0px|false|false” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” custom_padding__hover=”|||” background__hover_enabled=”off|desktop” background_enable_color__hover=”off” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-1.jpg” url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4″ url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]Julia Fletcher is interviewed by Global TV after avoiding bankruptcy by paying off her debt with no interest with help from the Credit Counselling Society. Watch News Story<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_scale_last_edited=”off|desktop” transform_translate_last_edited=”off|desktop” transform_translate_linked__hover=”off” transform_rotate_last_edited=”off|desktop” transform_skew_last_edited=”off|desktop” transform_origin_last_edited=”off|desktop” transform_styles_last_edited=”off|desktop” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-2_3.jpg” url=”https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592″ url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_font=”|600|||||||” header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]CTV News reveals how Dan Robinson paid off $30,000 in debt with no interest with the help of the Credit Counselling Society. Watch the News Story<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” custom_padding=”0px|0px|0px|0px|false|false” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” custom_padding__hover=”|||” background__hover_enabled=”off|desktop” background_enable_color__hover=”off” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-4_3.jpg” url=”https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt” url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]Global TV sits down to talk with Charis who consolidated with us and has now almost paid off $67,000 worth of debt on 13 different credit cards. See the Segment<\/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 more examples of the Credit Counselling Society in the news<\/a>.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”Media Logos – Transparent Bar” _builder_version=”4.16″ background_color=”rgba(42,209,61,0.7)” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”100%” max_width_last_edited=”off|desktop” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”5%” module_alignment_last_edited=”off|desktop” global_colors_info=”{}” custom_css_main_element__hover_enabled=”off|desktop” custom_css_main_element__hover=”transition: 0.9s;”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_enable_image=”off” background_size=”initial” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” background__hover_enabled=”off|hover” background_enable_image__hover=”off” filter_opacity__hover_enabled=”off|hover” custom_css_main_element__hover_enabled=”off|hover”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-2.png” align=”center” admin_label=”Media Logos” _builder_version=”4.16″ positioning=”absolute” position_origin_a=”top_center” width=”90%” width_tablet=”90%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}”][\/et_pb_image][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/as-featured-in-media-logos-3-description-3.png” align=”center” src_tablet=”\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png” src_phone=”\/wp-content\/uploads\/2020\/03\/as-featured-in-media-logos-3-description-4.png” src_last_edited=”on|phone” admin_label=”Description” _builder_version=”4.16″ width=”90%” width_tablet=”90%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”90%” max_width_last_edited=”off|phone” module_alignment=”center” filter_opacity=”0%” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” global_colors_info=”{}” filter_opacity__hover_enabled=”on|desktop” filter_opacity__hover=”100%” src__hover_enabled=”off|desktop”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” z_index=”10″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”] <\/p>\n 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 When you consolidate payments, you don’t actually borrow more money, so bad credit is never a problem. That’s how a debt management program with a non-profit credit counselling organization works<\/a>. Your creditors will help you by lowering or waiving ongoing interest charges. This saves you thousands of dollars in interest and lets you repay your debts. The amount you pay each month is based on your budget and on what you can afford.<\/p>\n To help you pay back what you borrowed, consolidation programs and loans can help. Most people don’t want to walk away from their debts and go bankrupt, but they think they have to because they don’t know what else to do. Surprisingly, sometimes only paying back part of what you owe can also be a solution. When done properly, a debt settlement offers your creditors a lump sum of money<\/a>. That might not be 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 the Yukon 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” 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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 Life Beyond Debt for Everyone<\/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 “I am likely going to be out of debt within a year – and that’s over a year ahead of the initial estimate! Best part of that is that because the Credit Counselling Society did it as a debt repayment arrangement, unlike bankruptcy, it will be much better on my credit rating – and as proof, when I applied for new cell and cable service in Vancouver, my rating has already improved such that I got new accounts without a limit or deposit!”<\/p>\n <\/p>\n – Paul, Actual Client from Yelp<\/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” da_disable_devices=”off|off|off” global_colors_info=”{}” custom_padding=”||7px|||” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”] <\/p>\n One of our expert Credit Counsellors can help if you need answers to questions about joint debts<\/a>, have questions about debts left over from a divorce<\/a>, want to learn more about alternatives to bankruptcy, or want to know more about how going bankrupt would affect you. They are experts in helping people come up with good solutions to deal with their debts, and would be happy to provide you with the information you need to make an informed decision to get your finances back on track.<\/p>\n Your Counsellor will:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” admin_label=”CTA Generic – Purple” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”175px||1px||false|false” custom_padding_tablet=”45px||30px||false|false” custom_padding_phone=”35px||||false|false” top_divider_style=”curve2″ top_divider_height=”110px” top_divider_flip=”horizontal” top_divider_height_tablet=”50px” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||||false|false” custom_padding_tablet=”100px||||false|false” custom_padding_phone=”100px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”-15px||||false|false” custom_padding=”||0px|||” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]Free Credit Counselling Appointments & Consultations for the Yukon[\/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 the Yukon, 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_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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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=”NFCC, National Foundation for Credit Counseling” url=”\/about-us\/accredited-credit-counselling#better-business-bureau” align=”center” align_tablet=”left” align_phone=”center” align_last_edited=”on|desktop” _builder_version=”4.17.4″ _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=”” transform_skew_last_edited=”on|tablet” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|tablet” transform_styles_last_edited=”on|phone” hover_transition_duration=”500ms” hover_transition_speed_curve=”ease-in-out” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}” src__hover_enabled=”off|desktop” src__hover=”\/wp-content\/uploads\/2020\/09\/description-nfcc-4.png” filter_opacity__hover_enabled=”on|hover” filter_opacity__hover=”0%” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”position: absolute;||left: 35%;||padding-left: 16px;” custom_css_main_element_phone=”text-align: center;”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_padding=”130px||4px||false|false” custom_padding_tablet=”120px||||false|false” custom_padding_phone=”100px||||false|false” top_divider_style=”wave2″ top_divider_color=”#e7dff3″ top_divider_height_tablet=”70px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Related Articles of Interest<\/b><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Related Links<\/b><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_padding=”6px||100px||false|false” custom_padding_tablet=”||80px||false|false” custom_padding_phone=”||50px||false|false” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n The Credit Counselling Society<\/span><\/a> also offers assistance to people who need help with their payday loans in the Yukon (even online ones)<\/a>.<\/p>\n <\/p>\nTypes of Debts – What Bankruptcy Can’t Do<\/h2>\n
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Bankruptcy Procedures – The Process of Working with Your Trustee to Attain Your Discharge<\/h3>\n
Your Credit Rating & Bankruptcy in Canada<\/h3>\n
People We Helped Interviewed on Global TV and CTV News<\/h2>\n
Alternatives to Bankruptcy in the Yukon<\/h2>\n
Consolidation & Debt Repayment Programs<\/h3>\n
Debt Settlement<\/h3>\n
Consumer Proposal<\/h3>\n
What’s My Best Option?<\/h3>\n
Non Profit Bankruptcy Information & Credit Counselling Advice in the Yukon<\/h2>\n
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Putting Your Interests First<\/h3>\n
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