[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=”{}”]Bankruptcy Alternatives in Nanaimo[\/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=”{}”]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=”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_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=”4.17.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
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No one wants to file for bankruptcy<\/b>. Find other options and get more information before taking such a drastic step.<\/em><\/p>\n Personal Bankruptcy in Nanaimo, BC<\/span><\/a><\/b> – When you can’t afford to pay your bills and debts what comes to mind first? Many people think of filing for bankruptcy. While bankruptcy might be the right solution for you, you first need to find out about your other options, the ins and outs of the process, and how it will affect you and your family in the future. We want to help you avoid making a huge mistake by giving you information to make an informed decision.[\/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 There’s a lot that people don’t tell you about bankruptcy. Sure, it will get rid of most of your debts, but there are some debts you might still have to pay because they can’t be included in your bankruptcy.<\/p>\n 3 common kinds of debt that are excluded from bankruptcy<\/a> are:<\/p>\n Also, if you recently racked up credit card bills and now want to go bankrupt, creditors may stop you or ask that you pay more, before they let you get rid of the debt through bankruptcy.<\/p>\n Those who have gone bankrupt might not tell you that it takes a minimum of 9 months to complete the bankruptcy process<\/a>. There are costs and fees to go bankrupt<\/a>, which you pay to your trustee, as well as bankruptcy counselling sessions you must attend<\/a>. Depending on your circumstances, you may also need to pay extra to your creditors, which delays completing the process and obtaining your discharge. Not everyone loses their home and assets when they file for bankruptcy, but assets above what you’re allowed to keep in BC will be sold by your trustee.<\/p>\n You should also be aware that your trustee<\/a>, your creditors<\/a>, the Office of the Superintendent of Bankruptcy<\/a> or the Court can oppose or delay your bankruptcy discharge<\/a>. Depending on your situation, you may need to attend a hearing, answer questions under oath and\/or meet the additional requirements to obtain your discharge.<\/p>\n Bankruptcy is noted on your credit report and seriously impacts your credit rating. Despite what people say, 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’t be able to take out a loan, renew your mortgage or apply for a low interest rate<\/a> credit card.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” next_background_color=”#ffffff” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” use_background_color_gradient=”on” background_color_gradient_stops=”#e7dff3 0%|rgba(255,255,255,0.85) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#e7dff3″ background_color_gradient_end=”rgba(255,255,255,0.85)” background_image=”\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg” background_position=”top_center” z_index=”0″ custom_padding=”||170px|||” custom_padding_tablet=”||150px||false|false” custom_padding_phone=”||120px||false|false” bottom_divider_style=”curve2″ bottom_divider_height=”100px” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|tablet” background_enable_image_tablet=”off” background_size_tablet=”cover” background_position_tablet=”center_left” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_text_align=”center” custom_margin=”||16px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.16″ text_orientation=”center” max_width=”1500px” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n From time to time, the news media interviews some of those we helped who are comfortable sharing their story publicly. Below are three of these experiences with the Credit Counselling Society.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1500px” custom_padding=”||30px|||” use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=” margin: auto;|| width: 50%;||” custom_css_main_element_phone=” “][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” custom_padding=”0px|0px|0px|0px|false|false” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” custom_padding__hover=”|||” background__hover_enabled=”off|desktop” background_enable_color__hover=”off” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-1.jpg” url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4″ url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]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”]Charis speaks with Global TV after consolidating with us and nearly paying off $67,000 on 13 credit cards. Watch the Story<\/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>\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 Report & Bankruptcy in Canada<\/h3>\n
Canadians We Helped Interviewed on the News<\/h2>\n