{"id":25605,"date":"2020-11-25T23:47:12","date_gmt":"2020-11-25T23:47:12","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=25605"},"modified":"2025-06-17T01:18:57","modified_gmt":"2025-06-17T08:18:57","slug":"surrey","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/surrey","title":{"rendered":"Bankruptcy Surrey – Learn About Alternatives & Options | BC | Canada"},"content":{"rendered":"

[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\/using-different-ways-of-saving_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=”{}”]Surrey 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_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=”4.20.2″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Personal Bankruptcy Surrey – Facts, Options & Alternatives | BC<\/h1>\n

No one wants to file for bankruptcy<\/b>. Find other options and get more information before taking such a drastic step.<\/em><\/p>\n

Bankruptcy in Surrey, BC<\/span><\/a><\/b> – Bankruptcy can be the only thing that comes to mind when you realize that you can’t afford to pay your debts and bills. It might be a good solution for your debt problems. But, before filing bankruptcy, you need to know more about your options, how the process works and what it could mean for you and your family in the future. We can help you avoid a possible mistake by showing you your other options first.<\/p>\n

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Find Out What Options May Be Available to You
\nby Answering 9 Simple Questions<\/span><\/h2>\n

Just answer these easy, multiple-choice questions to get a look at your potential options. Within a few minutes, you’ll be looking at summarized options and results that apply specifically to your situation.<\/p>\n

<\/a><\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.23.4″ _module_preset=”default” max_width=”730px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_id=”first-top-heading” _builder_version=”4.23.4″ _module_preset=”default” header_2_text_color=”#FFFFFF” header_2_font_size=”22px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Discover Your Options<\/h2>\n

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{<!-- [et_pb_line_break_holder] --> \tcolor: red;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .issues-found {<!-- [et_pb_line_break_holder] --> \tcolor: red;<!-- [et_pb_line_break_holder] --> \tpadding-bottom: 10px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .spacer {<!-- [et_pb_line_break_holder] --> padding: 30px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .calculations {<!-- [et_pb_line_break_holder] --> background-color: #ffe2d2;<!-- [et_pb_line_break_holder] --> padding-top: 10px;<!-- [et_pb_line_break_holder] --> font-size: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .calculations:after {<!-- [et_pb_line_break_holder] --> content: \"\";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #calculations-top-section:after {<!-- [et_pb_line_break_holder] --> content: \"\";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #calculations-bottom-section:after {<!-- [et_pb_line_break_holder] --> content: \"\";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .colored-results {<!-- [et_pb_line_break_holder] --> color: #d54c00;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .title-row {<!-- [et_pb_line_break_holder] --> \tpadding: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .column {<!-- [et_pb_line_break_holder] --> float: left;<!-- [et_pb_line_break_holder] --> width: 50%;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .calc-section {<!-- [et_pb_line_break_holder] --> \tfont-size: 12px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .center-mc2-vert{<!-- [et_pb_line_break_holder] --> padding-top: 30px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .center-mc3-vert{<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> padding-top: 30px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .consumer-debt-question {<!-- [et_pb_line_break_holder] --> padding-bottom: 20px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .results-section{<!-- [et_pb_line_break_holder] --> padding-top: 10px;<!-- [et_pb_line_break_holder] --> padding-bottom: 10px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .info-icon {<!-- [et_pb_line_break_holder] --> padding-left: 10px;<!-- [et_pb_line_break_holder] --> width: 30px;<!-- [et_pb_line_break_holder] --> height: 20px;<!-- [et_pb_line_break_holder] --> opacity: 0.5;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .center-mc3-vert .info-text {<!-- [et_pb_line_break_holder] --> visibility: hidden;<!-- [et_pb_line_break_holder] --> width: 250px;<!-- [et_pb_line_break_holder] --> background-color: rgb(155, 155, 155);<!-- [et_pb_line_break_holder] --> color: #fff;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> border-radius: 8px;<!-- [et_pb_line_break_holder] --> padding: 5px;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/* Position the tooltip *\/<!-- [et_pb_line_break_holder] --> position: absolute;<!-- [et_pb_line_break_holder] --> z-index: 10;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .center-mc3-vert:hover .info-text {<!-- [et_pb_line_break_holder] --> visibility: visible;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #options-to-reveal {<!-- [et_pb_line_break_holder] --> padding-top: 50px;<!-- [et_pb_line_break_holder] --> padding-bottom: 50px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #options-intro {<!-- [et_pb_line_break_holder] --> padding-bottom: 20px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .row {<!-- [et_pb_line_break_holder] --> padding-top: 50px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/* Clear floats after the columns *\/<!-- [et_pb_line_break_holder] --> .row:after {<!-- [et_pb_line_break_holder] --> content: \"\";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .row2 {<!-- [et_pb_line_break_holder] --> padding-bottom: 20px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/* Clear floats after the columns *\/<!-- [et_pb_line_break_holder] --> .row2:after {<!-- [et_pb_line_break_holder] --> content: \"\";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .options-row {<!-- [et_pb_line_break_holder] --> padding-top: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/* Clear floats after the columns *\/<!-- [et_pb_line_break_holder] --> .options-row:after {<!-- [et_pb_line_break_holder] --> content: \"\";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option {<!-- [et_pb_line_break_holder] --> float: left;<!-- [et_pb_line_break_holder] --> width: 180px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option-space {<!-- [et_pb_line_break_holder] --> float: left;<!-- [et_pb_line_break_holder] --> width: 90px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-space {<!-- [et_pb_line_break_holder] --> padding-top: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/* Debt Option Cards *\/<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> \/* Creates two columns that allow Options Cards to float next to each other *\/<!-- [et_pb_line_break_holder] --> float: left;<!-- [et_pb_line_break_holder] --> width: 47%;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> \/* Styling for Options Cards *\/<!-- [et_pb_line_break_holder] --> height: 430px;<!-- [et_pb_line_break_holder] --> margin-right: 15px;<!-- [et_pb_line_break_holder] --> margin-bottom: 15px;<!-- [et_pb_line_break_holder] --> perspective: 500px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape:hover .card-inside {<!-- [et_pb_line_break_holder] --> transform: rotateY(180deg);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-inside {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> \t\twidth: 100%;<!-- [et_pb_line_break_holder] --> \t\theight: 100%;<!-- [et_pb_line_break_holder] --> \t\ttext-align: center;<!-- [et_pb_line_break_holder] --> \t\ttransition: transform 1.2s;<!-- [et_pb_line_break_holder] --> \t\ttransform-style: preserve-3d;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .flip-card-front, .flip-card-back {<!-- [et_pb_line_break_holder] --> position: absolute;<!-- [et_pb_line_break_holder] --> \t\twidth: 100%;<!-- [et_pb_line_break_holder] --> \t\theight: 100%;<!-- [et_pb_line_break_holder] --> -webkit-backface-visibility: hidden;<!-- [et_pb_line_break_holder] --> backface-visibility: hidden; <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .flip-card-front {<!-- [et_pb_line_break_holder] --> background-color: #e6dcfd;<!-- [et_pb_line_break_holder] --> \t\tcolor: black;<!-- [et_pb_line_break_holder] --> padding: 30px;<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> box-shadow: 0px 12px 18px -6px rgba(0,0,0,0.35);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .flip-card-back {<!-- [et_pb_line_break_holder] --> background-color: rgb(239 238 234);<!-- [et_pb_line_break_holder] --> \t\tcolor: black;<!-- [et_pb_line_break_holder] --> padding: 30px;<!-- [et_pb_line_break_holder] --> transform: rotateY(180deg);<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> box-shadow: 0px 12px 18px -6px rgba(0,0,0,0.35);<!-- [et_pb_line_break_holder] --> \/*display: flex;*\/<!-- [et_pb_line_break_holder] --> \t\tjustify-content: center;<!-- [et_pb_line_break_holder] --> \t\talign-items: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-icon {<!-- [et_pb_line_break_holder] --> \/*padding-bottom: 20px;*\/<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-heading {<!-- [et_pb_line_break_holder] --> font-size: 18px;<!-- [et_pb_line_break_holder] --> color: #000;<!-- [et_pb_line_break_holder] --> font-weight: bold;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-text {<!-- [et_pb_line_break_holder] --> color: #000;<!-- [et_pb_line_break_holder] --> font-size: 16px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-link {<!-- [et_pb_line_break_holder] --> color: #5b25af!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-link:hover {<!-- [et_pb_line_break_holder] --> color: #2ad13d;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #option-cards-intro {<!-- [et_pb_line_break_holder] --> padding-top: 50px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .column2 {<!-- [et_pb_line_break_holder] --> float: left;<!-- [et_pb_line_break_holder] --> width: 50%;<!-- [et_pb_line_break_holder] --> padding: 5px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .second-page-checkbox-text {<!-- [et_pb_line_break_holder] --> padding-left: 30px; <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .second-page-checkbox {<!-- [et_pb_line_break_holder] --> margin-top: -2px;<!-- [et_pb_line_break_holder] --> margin-left: 14px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .pre-slider-text {<!-- [et_pb_line_break_holder] --> color: #8f8f8f;<!-- [et_pb_line_break_holder] --> \tpadding-bottom: 20px!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #end-cta-paragraph {<!-- [et_pb_line_break_holder] --> padding-top: 50px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #hidden-heading-1 {<!-- [et_pb_line_break_holder] --> padding-top: 50px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> \tbox-shadow: 0px 1px 15px 5px #0000006b;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #main-content .hs-form {<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> background: #ffffff;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .hs-form .hs-form-field .hs-input {<!-- [et_pb_line_break_holder] --> background: #f5f5f5!important;<!-- [et_pb_line_break_holder] --> color: #666666!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .hs-form .hs-form-field .hs-input::placeholder {<!-- [et_pb_line_break_holder] --> color: #b1b1b1!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .hs-form .hs-submit .hs-button {<!-- [et_pb_line_break_holder] --> background-color: #2ad13d;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> padding: 20px 0px 30px 0px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #province {<!-- [et_pb_line_break_holder] --> width: 300px;<!-- [et_pb_line_break_holder] --> font-size: 16px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #showButton {<!-- [et_pb_line_break_holder] --> background-color: #efa47a;<!-- [et_pb_line_break_holder] --> border-color: #efa47a;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #showButton:hover {<!-- [et_pb_line_break_holder] --> background-color: #ffe2d2;<!-- [et_pb_line_break_holder] --> color: #efa47a;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/* #errorMessage {<!-- [et_pb_line_break_holder] --> padding: 10px 0px 25px 0px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #errorMessage-2 {<!-- [et_pb_line_break_holder] --> padding: 10px 0px 25px 0px;<!-- [et_pb_line_break_holder] --> } *\/<!-- [et_pb_line_break_holder] --> .error-message-section {<!-- [et_pb_line_break_holder] --> padding: 10px 0px 25px 0px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #back-to-one {<!-- [et_pb_line_break_holder] --> padding-bottom: 10px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> .dim {<!-- [et_pb_line_break_holder] --> box-shadow: 0 0 0 100vmax rgba(0, 0, 0, .3);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #endDim {<!-- [et_pb_line_break_holder] --> float: right;<!-- [et_pb_line_break_holder] --> margin-top: -15px;<!-- [et_pb_line_break_holder] --> margin-right: -15px;<!-- [et_pb_line_break_holder] --> cursor: pointer;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-form {<!-- [et_pb_line_break_holder] --> width: 700px;<!-- [et_pb_line_break_holder] --> height: 500px;<!-- [et_pb_line_break_holder] --> z-index: 9000;<!-- [et_pb_line_break_holder] --> margin: auto; <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #inner-contact-form {<!-- [et_pb_line_break_holder] --> border-radius: 12px;<!-- [et_pb_line_break_holder] --> z-index: 9001;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .s-o-right {<!-- [et_pb_line_break_holder] --> text-align: right;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 920px) {<!-- [et_pb_line_break_holder] --> .et_pb_row_2 {<!-- [et_pb_line_break_holder] --> width: 90%!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #sa-form {<!-- [et_pb_line_break_holder] --> width: 90%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .questions {<!-- [et_pb_line_break_holder] --> display: block;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-content {<!-- [et_pb_line_break_holder] --> font-size: 14px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-content .slider-option {<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions {<!-- [et_pb_line_break_holder] --> line-height: 2em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions-2 {<!-- [et_pb_line_break_holder] --> line-height: 2.1em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .s-o-center {<!-- [et_pb_line_break_holder] -->\t\t\t\ttext-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> label {<!-- [et_pb_line_break_holder] --> \/*display: inline-block!important;*\/<!-- [et_pb_line_break_holder] --> text-align: left;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option {<!-- [et_pb_line_break_holder] --> width: 26.6%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option-space {<!-- [et_pb_line_break_holder] --> width: 10%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .button-section {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> float: none;<!-- [et_pb_line_break_holder] --> width: 50%;<!-- [et_pb_line_break_holder] --> \tmin-width: 500px;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> \tmargin: auto;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 810px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 80%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 80%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 784px) {<!-- [et_pb_line_break_holder] --> #sa-form {<!-- [et_pb_line_break_holder] --> width: 90%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .questions {<!-- [et_pb_line_break_holder] --> display: block;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-content {<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-content .slider-option {<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions {<!-- [et_pb_line_break_holder] --> line-height: 2.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions-2 {<!-- [et_pb_line_break_holder] --> line-height: 2.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .s-o-center {<!-- [et_pb_line_break_holder] -->\t\t\t\ttext-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option {<!-- [et_pb_line_break_holder] --> width: 26.6%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option-space {<!-- [et_pb_line_break_holder] --> width: 10%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .button-section {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> float: none;<!-- [et_pb_line_break_holder] --> width: 70%;<!-- [et_pb_line_break_holder] --> \tmin-width: 350px;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> \tmargin: auto;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 75%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 75%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 660px) {<!-- [et_pb_line_break_holder] --> .flip-card-front {<!-- [et_pb_line_break_holder] --> font-size: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .flip-card-back {<!-- [et_pb_line_break_holder] --> font-size: 14px;<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> min-height: 480px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 615px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 70%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 70%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> label {<!-- [et_pb_line_break_holder] --> width: 100%!important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions label {<!-- [et_pb_line_break_holder] --> white-space: normal;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 575px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 65%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 65%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 535px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 60%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 60%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type=\"checkbox\"] {<!-- [et_pb_line_break_holder] --> width: 35px;<!-- [et_pb_line_break_holder] --> height: 35px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions {<!-- [et_pb_line_break_holder] --> line-height: 3.5em;<!-- [et_pb_line_break_holder] --> padding-left: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions-2 {<!-- [et_pb_line_break_holder] --> line-height: 3.5em;<!-- [et_pb_line_break_holder] --> padding-left: 15px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions label {<!-- [et_pb_line_break_holder] --> padding-left: 35px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions-2 label {<!-- [et_pb_line_break_holder] --> padding-left: 35px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type='checkbox']:checked:after {<!-- [et_pb_line_break_holder] --> font-size: 30px;<!-- [et_pb_line_break_holder] --> padding: 1px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #sa-form {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> \/* 90% *\/<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .questions {<!-- [et_pb_line_break_holder] --> display: block;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-content {<!-- [et_pb_line_break_holder] --> font-size: 12px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slide-content .slider-option {<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .s-o-center {<!-- [et_pb_line_break_holder] -->\t\t\t\ttext-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> float: none;<!-- [et_pb_line_break_holder] --> width: 80%;<!-- [et_pb_line_break_holder] --> \tmin-width: 400px;<!-- [et_pb_line_break_holder] --> \tmin-height: 370px;<!-- [et_pb_line_break_holder] --> \theight: 370px;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> \tmargin: auto;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-heading {<!-- [et_pb_line_break_holder] --> font-size: 16px;<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-text {<!-- [et_pb_line_break_holder] --> font-size: 14px;<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .option-text {<!-- [et_pb_line_break_holder] --> padding-bottom: 5px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-icon {<!-- [et_pb_line_break_holder] --> padding-bottom: 1px;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .flip-card-back {<!-- [et_pb_line_break_holder] --> font-size: 14px;<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 500px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 55%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 55%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 455px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 50%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 50%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> float: none;<!-- [et_pb_line_break_holder] --> width: 95%;<!-- [et_pb_line_break_holder] --> \tmin-width: 95%;<!-- [et_pb_line_break_holder] --> \tmin-height: 380px;<!-- [et_pb_line_break_holder] --> \theight: 380px;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> \tmargin: auto;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 415px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 45%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 45%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 400px) {<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> float: none;<!-- [et_pb_line_break_holder] --> width: 95%;<!-- [et_pb_line_break_holder] --> min-width: 95%;<!-- [et_pb_line_break_holder] --> min-height: 380px;<!-- [et_pb_line_break_holder] --> height: 380px;<!-- [et_pb_line_break_holder] --> padding: 15px;<!-- [et_pb_line_break_holder] --> margin: auto;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/*.indented-questions {<!-- [et_pb_line_break_holder] --> line-height: 2.3em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .indented-questions-2 {<!-- [et_pb_line_break_holder] --> line-height: 2.3em;<!-- [et_pb_line_break_holder] --> }*\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/*label {<!-- [et_pb_line_break_holder] --> display: inline-block!important;<!-- [et_pb_line_break_holder] -->\t\t\t\twidth: 50%!important;<!-- [et_pb_line_break_holder] --> text-align: left;<!-- [et_pb_line_break_holder] --> }*\/<!-- [et_pb_line_break_holder] --> .slider-option {<!-- [et_pb_line_break_holder] --> width: 26.6%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .slider-option-space {<!-- [et_pb_line_break_holder] --> width: 10%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .button-section {<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 390px) {<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> min-height: 390px;<!-- [et_pb_line_break_holder] --> height: 390px;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 380px) {<!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 40%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 40%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> min-height: 400px;<!-- [et_pb_line_break_holder] --> height: 400px;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> @media only screen and (max-width: 360px) {<!-- [et_pb_line_break_holder] --> .card-shape {<!-- [et_pb_line_break_holder] --> min-height: 420px;<!-- [et_pb_line_break_holder] --> height: 420px;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> #sa-hidden-form {<!-- [et_pb_line_break_holder] --> width: 35%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> #contact-me {<!-- [et_pb_line_break_holder] --> width: 35%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <\/style>\n<p><!-- [et_pb_line_break_holder] --> <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] --> <\/p>\n<form action=\"sa-results.html\" method=\"GET\" id=\"sa-form\"><\/form>\n<p><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> function selectOnlyThis(id) {<!-- [et_pb_line_break_holder] --> for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] --> {<!-- [et_pb_line_break_holder] --> document.getElementById(\"CheckQ1-\" + i).checked = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.getElementById(id).checked = true; <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function selectOnlyThis5(id) {<!-- [et_pb_line_break_holder] --> for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] --> {<!-- [et_pb_line_break_holder] --> document.getElementById(\"CheckQ3-\" + i).checked = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> function selectOnlyThis6(id) {<!-- [et_pb_line_break_holder] --> for (var i = 1;i <= 6; i++)<!-- [et_pb_line_break_holder] --> {<!-- [et_pb_line_break_holder] --> document.getElementById(\"CheckB\" + i).checked = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <\/script><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"questions\"><!-- [et_pb_line_break_holder] --> <pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#slide-one\"><span>Back to previous questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slide-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <pee>1. How would you describe your financial situation? Please move the slider along the scale to reflect approximately where you feel you’re at.<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slidecontainer slide-space\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" min=\"1\" max=\"40\" value=\"1\" step=\"1\" class=\"slider\" id=\"financialSituationSlider\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"options-row\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option\"><pee>I can cover all my expenses each month, plus have the ability to save.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option s-o-center\"><pee>I can cover my monthly expenses, but I need to borrow, work extra, etc.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option s-o-right\"><pee>I can no longer cover all my expenses every month.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> \t<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>2. Which of the following best describes you?<a name=\"3\"> <\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"indented-questions\" id=\"q3\"><!-- [et_pb_line_break_holder] --> <label for=\"question-3a\"><input type=\"checkbox\" id=\"CheckQ3-1\" name=\"question\" value=\"3) No balances\" onclick=\"selectOnlyThis5(this.id)\"><span>I pay off my balances in full each month<\/span><\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-3b\"><input type=\"checkbox\" id=\"CheckQ3-2\" name=\"question\" value=\"3) Balances and good\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance but my debts are in \u201cgood standing\u201d<\/span><\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-3c\"><input type=\"checkbox\" id=\"CheckQ3-3\" name=\"question\" value=\"3) Balances and behind\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance and I am behind in my regular payments<\/span><\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-3d\"><input type=\"checkbox\" id=\"CheckQ3-4\" name=\"question\" value=\"3) Collection activities\" onclick=\"selectOnlyThis5(this.id)\"><span>I am receiving collection calls, letters, or threats to repossess assets<\/span><\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-3e\"><input type=\"checkbox\" id=\"CheckQ3-5\" name=\"question\" value=\"3) Being sued\" onclick=\"selectOnlyThis5(this.id)\"><span>I have been sued by one or more creditors<\/span><\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>3. How stressed do you feel about your debt?<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slidecontainer slide-space\"><!-- [et_pb_line_break_holder] --> <input type=\"range\" min=\"1\" max=\"40\" value=\"1\" step=\"1\" class=\"slider\" id=\"financialStressSlider\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"options-row\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option\"><pee>Not stressed<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option s-o-center\"><pee>Somewhat stressed<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option-space\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"slider-option s-o-right\"><pee>Very stressed<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> \t<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"error-message-section\"><pee class=\"error-message\" id=\"errorMessage\" style=\"display:none\">First, please respond to the questions above<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] --> <button type=\"button\" id=\"slide-one-done\" value=\"click\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Continue<\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"slide-content\" id=\"slide-two\" hidden><!-- [et_pb_line_break_holder] --><pee>4. Do\u00a0you have any\u00a0of the following significant assets? <em>(Check all that apply)<\/em><a name=\"5\"> <\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"indented-questions-2\" id=\"q5\"><!-- [et_pb_line_break_holder] --> <label for=\"question-5\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ5-1\" value=\"Vehicle(s)\">Vehicle(s)<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-5\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ5-2\" value=\"Property\">Property<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-5\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ5-3\" value=\"Investments\">Investments<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p> <!-- [et_pb_line_break_holder] --> \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] --> <pee>5. Do you have any of the following secured debts? <em>(Check all that apply)<\/em><a name=\"6\"> <\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"indented-questions-2\" id=\"q6\"><!-- [et_pb_line_break_holder] --> <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-1\" value=\"Mortgage\">Mortgage<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-2\" value=\"Vehicle Loan\">Vehicle Loan<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-3\" value=\"Line of Credit (Secured)\">Line of Credit (Secured)<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-6\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ6-4\" value=\"Loan (Secured)\">Loan (Secured)<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p> <!-- [et_pb_line_break_holder] --> <\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] --> <pee>6. Do you have any of the following unsecured debts? <em>(Check all that apply)<\/em><a name=\"7\"> <\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"indented-questions-2\" id=\"q7\"><!-- [et_pb_line_break_holder] --> <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-1\" value=\"Credit Card\">Credit Card<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-2\" value=\"Line of Credit (Unsecured)\">Line of Credit (Unsecured)<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-3\" value=\"Payday Loan\">Payday Loan<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-4\" value=\"Overdraft (Unsecured)\">Overdraft (Unsecured)<\/label><!-- [et_pb_line_break_holder] --> \t<label for=\"question-7\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ7-5\" value=\"Service Provider Balance\">Outstanding balance with a service provider (phone\/internet, utilities, gyms, etc.)<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p> <!-- [et_pb_line_break_holder] --> <\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p><!-- [et_pb_line_break_holder] --> <pee>7. Do you have any of the following government debts? <em>(Check all that apply)<\/em><a name=\"8\"> <\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"indented-questions-2\" id=\"q8\"><!-- [et_pb_line_break_holder] --> <label for=\"question-8\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ8-1\" value=\"Canada Revenue Agency (CRA) Debt\">Canada Revenue Agency (CRA) Debt<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-8\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ8-2\" value=\"Student Loan\">Student Loan<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p> <!-- [et_pb_line_break_holder] --> \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] --> <pee>8. What have you done up to this point for your debt? <em>(Check all that apply)<\/em><a name=\"9\"> <\/a><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"indented-questions-2\" id=\"q9\"><!-- [et_pb_line_break_holder] --> <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-1\" value=\"contacted a bank\">I have contacted a bank or credit union for help.<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-2\" value=\"contacted a professional\">I have contacted a financial professional.<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-3\" value=\"discussed situation with friends or family\">I have discussed my situation with friends or family.<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-4\" value=\"not sure where to start\">I’m not sure where to start.<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-5\" value=\"need help understanding things\">I have done some research but need help understanding things.<\/label><!-- [et_pb_line_break_holder] --> <label for=\"question-9\"><input type=\"checkbox\" name=\"question\" id=\"CheckQ9-6\" value=\"dont have income\">I don\u2019t have any income to work with.<\/label><!-- [et_pb_line_break_holder] --> <\/div>\n<p> <!-- [et_pb_line_break_holder] --> \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"data-box\" id=\"province-question\"><!-- [et_pb_line_break_holder] --> <label for=\"province\"><span>9. What province or territory do you live in?<\/span><\/label><!-- [et_pb_line_break_holder] --> <select class=\"dropdown-menu-box\" name=\"province\" id=\"province\"><!-- [et_pb_line_break_holder] --><option>– Select –<\/option><!-- [et_pb_line_break_holder] --><option label=\"Ontario\" value=\"Ontario\">Ontario<\/option><!-- [et_pb_line_break_holder] --><option label=\"Alberta\" value=\"Alberta\">Alberta<\/option><!-- [et_pb_line_break_holder] --><option label=\"British Columbia\" value=\"British Columbia\">British Columbia<\/option><!-- [et_pb_line_break_holder] --><option label=\"Manitoba\" value=\"Manitoba\">Manitoba<\/option><!-- [et_pb_line_break_holder] --><option label=\"Saskatchewan\" value=\"Saskatchewan\">Saskatchewan<\/option><!-- [et_pb_line_break_holder] --><option label=\"Quebec\" value=\"Quebec\">Quebec<\/option><!-- [et_pb_line_break_holder] --><option label=\"Nova Scotia\" value=\"Nova Scotia\">Nova Scotia<\/option><!-- [et_pb_line_break_holder] --><option label=\"New Brunswick\" value=\"New Brunswick\">New Brunswick<\/option><!-- [et_pb_line_break_holder] --><option label=\"Newfoundland\" value=\"Newfoundland\">Newfoundland<\/option><!-- [et_pb_line_break_holder] --><option label=\"PEI\" value=\"PEI\">PEI<\/option><!-- [et_pb_line_break_holder] --><option label=\"Northwest Territories\" value=\"Northwest Territories\">Northwest Territories<\/option><!-- [et_pb_line_break_holder] --><option label=\"Yukon\" value=\"Yukon\">Yukon<\/option><!-- [et_pb_line_break_holder] --><option label=\"Nunavut\" value=\"Nunavut\">Nunavut<\/option><!-- [et_pb_line_break_holder] --><option label=\"Outside Canada\" value=\"Outside Canada\">Outside Canada<\/option><!-- [et_pb_line_break_holder] --> <\/select><!-- [et_pb_line_break_holder] --> <\/div>\n<p> <!-- [et_pb_line_break_holder] --> \t\t<\/p>\n<div><pee>\u00a0<\/pee><\/div>\n<p> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"error-message-section\" id=\"warning-2\" hidden><pee class=\"error-message\">Are you sure you don’t have any credit card debt, a line of credit, or payday loans? Maybe have another look at question 6 above.<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"error-message-section\" id=\"errorMessage-2\" hidden><pee class=\"error-message\">Please respond to the questions above before proceeding<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] --> <button type=\"button\" id=\"slide-two-done\" value=\"click\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Continue<\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"card-section\" hidden><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"option-cards-intro\" hidden><!-- [et_pb_line_break_holder] --> <pee id=\"back-to-two\" hidden><a id=\"goback-to-two\" href=\"https:\/\/nomoredebts.org#slide-two\"><span>Back to previous page<\/span><\/a><\/pee> <!-- [et_pb_line_break_holder] --> <\/p>\n<h2>A Visual Overview of Possible Options<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <pee>Here are some options that may be available to you based on the information you have provided about your financial situation. The most likely options are in green, less likely in yellow, and least likely in red. This is only intended to provide you with a general idea of the options that may be available to you. A credit counsellor will need to go over your information in much more detail to make a more precise determination.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"row\" id=\"cards\" hidden><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-counsellor\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-counsellor-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-counsellor-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-counsellor-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-1\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/credit-counselling_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Do a Deeper Dive to Uncover More Options<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-counsellor-paragraph\">It looks as though your situation requires more in-depth analysis from a trained credit counsellor. They can help you optimize your budget, explore options, and create a plan to get back on track.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>A credit counsellor can help you explore all your options to turn your situation around. This may involve helping you uncover opportunities to reduce your expenses, increase your income, and reduce debt. If it makes sense to sell assets, that could be looked at as well. As this discussion and process unfolds, many times opportunities or debt relief options will become possible that were previously not possible. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to see what may be possible for your situation<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-self-managed\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-self-managed-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-self-managed-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-self-managed-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-2\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/grocery-list_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Self-Managed Solution<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-self-managed-paragraph\">After thoroughly exploring your options with a credit counsellor, they can help you put together a plan to get out of debt in a reasonable amount of time. You can then implement this plan on your own.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>A Self-Managed Solution begins after spending an hour with one of our credit counsellors. They will help you put together a realistic budget, explore all your options to resolve your current financial challenges and get out of debt, and then help you put together an action plan to move forward. You then carry out the plan on your own but can review things with a credit counsellor at any time you feel you need some more guidance. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-bank\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-bank-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-bank-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-bank-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-3\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/solve-debt-problems_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Debt Consolidation Loan<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-bank-paragraph\">Based on the information you’ve provided, it appears as though this could be a possibility if your credit score is strong enough.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>A debt consolidation loan provided by a bank or credit union can be a good way to pay off credit cards, payday loans, or other bills and consolidate all these debts into one loan at a lower interest rate. However, it can be challenging to qualify for one of these loans. An experienced credit counsellor can help you assess this possibility along with your other options to see what may work best for your situation. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-dmp\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-dmp-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-dmp-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-dmp-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t<pee id=\"holding-place-4\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/08\/budgeting-through-hard-times_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Debt Management Program<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-dmp-paragraph\">It appears as though this may be an option for you. A Debt Management Program eliminates or drastically reduces interest and consolidates all payments into one.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> \t<pee>A Debt Management Program is an interest relief and debt repayment plan that helps you get out of debt within a reasonable amount of time. After a credit counsellor helps you work out a realistic budget, creditors are then negotiated with and asked to reduce your monthly payments to match the repayment plan. Interest is typically either eliminated or substantially reduced under the program. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-proposal\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-proposal-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-proposal-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-proposal-color-descriptor\">Option<!\u2013- [et_pb_br_holder] -\u2013><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-5\"><img decoding=\"async\" class=\"skip-lazy card-icon\" id=\"staying-cp\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/interest-credit-card-and-loan-payment-calculator_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Consumer Proposal<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-proposal-paragraph\">This may be an option for you to consider. It’s a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>A consumer proposal is legal debt relief option that’s provided by the <em>Bankruptcy and Insolvency Act<\/em>. It’s similar to bankruptcy in a number of ways but also has its differences. It can offer some debt relief and even protect assets like your home, but comes with costs and conditions that shouldn’t be ignored. Get the full picture on this option and its alternatives before making a choice that could change your life. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-insolvency\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-insolvency-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-insolvency-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-insolvency-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-6\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Bankruptcy<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-insolvency-paragraph\">Based on the information you’ve entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you’ve exhausted all other options first.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>Bankruptcy is legal debt relief option that’s provided by the <em>Bankruptcy and Insolvency Act<\/em>. It creates a way for someone who can no longer repay their debts to start over. It effectively erases unsecured debts after an individual makes court supervised payments on those debts for 9 to 24 months. Get the full picture on this option and its alternatives before making a choice that could change your life. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-opd\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-opd-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-opd-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-opd-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-7\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Orderly Payment of Debts<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-opd-paragraph\">Based on what you’ve entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>An Orderly Payment of Debts (OPD) program is legal consolidation option for unsecured debt provided by the <em>Bankruptcy and Insolvency Act<\/em>. Through the program, a debtor receives legal protection from their creditors and can keep their assets. However, they are required to repay the full amount of their debt plus 5% interest within 5 years. For someone to get on this program, the courts must approve it. <a href=\"#contact-form\" onclick=\"Show_Form()\">You can speak with a credit counsellor to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-voluntary-deposit\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-voluntary-deposit-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-voluntary-deposit-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-voluntary-deposit-color-descriptor\">Option<\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-8\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Voluntary Deposit<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-voluntary-deposit-paragraph\">Based on the information you’ve provided, it looks as though a voluntary deposit program may be an option to address your debt situation.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>Voluntary deposit is a government debt relief program available only in Quebec. It allows someone in financial difficulty to repay their unsecured creditors based on how much they owe and their ability to pay. The program reduces interest rates to 5%, provides protection from creditors, and is a way to avoid bankruptcy. <a href=\"#contact-form\" onclick=\"Show_Form()\">Speak with one of our credit counsellors to learn more<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-shape\" id=\"option-webinar\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"card-inside\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-front\" id=\"option-webinar-front\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h3 id=\"option-webinar-value\" hidden>0<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"option-text\" id=\"option-webinar-color-descriptor\" style=\"color: #000;\"><b>Bonus Option<\/b><\/pee><!-- [et_pb_line_break_holder] --> <pee id=\"holding-place-9\"><img decoding=\"async\" class=\"card-icon\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/webinar_icon_purple.png\"><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-heading\">Online Workshops<\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"card-text\" id=\"option-self-managed-paragraph\">Learn how to improve your financial situation, create a budget, make your dollars stretch further, and get out of debt with one of our many helpful online workshops we call webinars.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"flip-card-back\"><!-- [et_pb_line_break_holder] --> <pee>Our webinars (online workshops) are interactive, allowing you to ask any questions you like, or if you prefer to be anonymous, you can just watch and listen. We offer budgeting webinars covering the very basics through to managing irregular income, fixed income, and the things that tend to break budgets. We also offer webinars covering credit, strategies to get out of debt, ways for couples to manage finances together, and lots of ways to save money – including on groceries, holidays, and vacations. We offer nearly <a href=\"https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/workshop-webinar-topics\" target=\"_blank\" rel=\"noopener\">30 different webinars<\/a>. Check out <a href=\"https:\/\/nomoredebts.org\/financial-education\/financial-workshops-webinars\/webinar-schedule\" target=\"_blank\" rel=\"noopener\">the ones that are coming up next<\/a>.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->\t<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"end-cta-paragraph\"><!-- [et_pb_line_break_holder] --> <pee><strong>To find out for sure which options may be available to you, figure out how the pros and cons of each option will apply to your specific situation, and see which option will best help you accomplish your financial objectives, speak with one of our certified credit counsellors<\/strong> by calling us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or <a href=\"#contact-me\">fill out the form below<\/a> to request a call back.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"final-slide\" hidden><!-- [et_pb_line_break_holder] -->\t\t<\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] --> \t<\/p>\n<div id=\"top-spacer\" style=\"height: 50px;\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> \t\t\t\t\t<\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>More Specifics on How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" hidden><span>Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-1_2\" hidden><span>Budgeting is essential for healthy finances, and we can help you with this important step. Our licensed Counsellors can help you make sense of your income and expenses, and review ways to make changes. We also have <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">some fantastic budgeting tools and guides if you want to dive in right now<\/a> before meeting with one of our Counsellors.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-1_3\" hidden><span>The Credit Counselling Society provides financial education through free appointments with our licensed credit counsellors. We also offer free workshops, webinars, and have created an <a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener\">educational website (mymoneycoach.ca)<\/a> with detailed information on many important financial topics.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-1_4\" hidden><span>There are a few pieces to consider when saving for a specific goal. The Credit Counselling Society can help with budgeting and savings tips, and you may also consider speaking with a financial planner.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-1_5\" hidden><span>If your business is struggling with debt, we may be able to help, depending on if the debt is personally guaranteed. If you\u2019re primarily looking for operations or planning assistance, a business advisor such as a consultant or accountant may be better able to help.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-2_1\" hidden><span>In regard to your unsecured debts, this kind of debt can vary widely in terms of interest, payments, and terms. The good news is, though, that you have multiple relief options available. However, it can be difficult to weigh the pros and cons of each one. We can help you review the details and proceed with the solution that\u2019s best for you.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-2_2\" hidden><span>For your secured debts, your options are more limited than with unsecured debts, due to the underlying asset (\u201csecurity\u201d). Nonetheless, we can help you explore those options and how they apply to your specific situation.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-2_3\" hidden><span>Regarding your payday loans, they can be challenging to repay without help due to the high interest rates and fees that are often charged. You may find yourself caught in a frustrating \u2018payday loan cycle\u2019 where you\u2019re borrowing money each month to pay the bill from the previous month ending up further behind than when you started. We can help you find options to break this cycle.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-2_4\" hidden><span>With respect to the money you owe the government, options can become very limited. Even insolvency options such as bankruptcy may not remove some government debts. We generally advise reaching out to the government entity whom you owe to try to arrange payments. We may be able to help you budget for this.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-2_5\" hidden><span>For the money you owe to service providers, the major factor is whether you want or need to continue with the service provided. If so, your only option is to contact the provider and try to arrange payments. If maintaining service is not necessary, you have more options and we can help you review them.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-3_1\" hidden><span>You indicate that you pay off your credit balances in full each month. Congratulations! Paying off your balances completely each month for credit cards, lines of credit, and other credit products is a sign of healthy finances. Many Canadians struggle to achieve this regularly. If you have concerns about meeting your future obligations, we\u2019re happy to provide some help.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-3_2\" hidden><span>If you are carrying a balance with your debts, this does not necessarily mean you’re struggling, but it may be an indication of financial difficulty. We can help you determine if a few adjustments are necessary, or if more significant action is suggested for your situation. We\u2019ll also help you to develop a plan you\u2019re happy with.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-3_3\" hidden><span>If you’re struggling with your payments and some end up being late or get missed, this is often a sign of financial distress. Through an appointment, we can help you to determine whether it is possible to catch up, or whether other options need to be explored to reduce your debt.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-3_4\" hidden><span>If you are receiving collections communication or repossession threats, the situation has become serious and increasingly time-sensitive. We highly recommend contacting us for help with this situation as soon as possible because your creditors are likely to take further action.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-3_5\" hidden><span>If creditors have initiated legal action, our ability to help becomes limited. You are welcome to call us for guidance but you\u2019re likely going to need legal assistance, which we cannot provide directly. We can connect you with the right professionals for your situation if this ends up being the case.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-4_1\" hidden><span>If you are currently without income, the top priority is covering your essential living expenses while trying to obtain income. We encourage you to focus on these essentials, and we\u2019re happy to assist you with understanding your financial options.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-4_2\" hidden><span>The income you receive from the government is intended for basic needs such as food and shelter, and therefore is protected from creditors. We can help you review your budget and consider your options with this type of income and\/or a mix of other income types.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-4_3\" hidden><span>The income provided by EI or government pensions can meet basic needs, but it might be a reduction from your previous income. We can help you to create or review your existing budget and identify some potential adjustments while providing guidance on any debts you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-4_4\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-4_5\" hidden><span>In respect to your self-employment, this type of employment offers freedom and flexibility, but also poses unique challenges for managing your finances. We can help sole proprietors and non-corporate business owners through budgeting and debt solutions. We often advise corporate owners\/directors to contact a more specialized expert in corporate finance.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-4_6\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee class=\"lines-to-reveal\" id=\"hidden-cta\" hidden><span>If you’d like to speak with a certified credit counsellor right now, call us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or <a href=\"#contact-me\">fill out the form below<\/a> to request a call back.<\/span><\/pee><!-- [et_pb_line_break_holder] --> <div class=\"et_pb_ab_split_track\" style=\"display:none;\" data-test_id=\"25605\"><\/div><!-- [et_pb_line_break_holder] -->\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> \tvar totalDebtAmount = 0;<!-- [et_pb_line_break_holder] --> \tvar consumerDebtAmount00 = 0;<!-- [et_pb_line_break_holder] --> \tvar degreeOfHelpNeeded = 0;<!-- [et_pb_line_break_holder] --> var rentOrOwnButtonClick = 0;<!-- [et_pb_line_break_holder] --> \tvar provinceSelected = document.getElementById(\"province\").value;<!-- [et_pb_line_break_holder] --> \tvar secondPageComplete<!-- [et_pb_line_break_holder] --> var dmpIndications = \"No\";<!-- [et_pb_line_break_holder] --> \tvar debtConsolLoansRuledOut = \"No\";<!-- [et_pb_line_break_holder] --> var x4QResonses = \"\";<!-- [et_pb_line_break_holder] --> var xIncome = 0;<!-- [et_pb_line_break_holder] --> var xHousehold = 0;<!-- [et_pb_line_break_holder] --> \tvar xHousingSituation = \"\";<!-- [et_pb_line_break_holder] --> \tvar xMortgageYorN = \"\";<!-- [et_pb_line_break_holder] --> \tvar xMonthlyHousingPayment = 0;<!-- [et_pb_line_break_holder] --> \tvar xHomeValue = 0;<!-- [et_pb_line_break_holder] --> \tvar xMortgageBalance = 0;<!-- [et_pb_line_break_holder] --> \tvar xProvince = \"\";<!-- [et_pb_line_break_holder] --> \tvar xFood = 0;<!-- [et_pb_line_break_holder] --> \tvar xTransportation = 0;<!-- [et_pb_line_break_holder] --> var xMedicalExp = 0;<!-- [et_pb_line_break_holder] --> \tvar xSupportPayments = 0;<!-- [et_pb_line_break_holder] --> var xDebtAmount = 0;<!-- [et_pb_line_break_holder] --> \tvar xDebtPayments = 0;<!-- [et_pb_line_break_holder] --> var xOtherAssets = 0;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\tvar xGreenCards = \"\";<!-- [et_pb_line_break_holder] --> \tvar xYellowCards = \"\";<!-- [et_pb_line_break_holder] --> \tvar xRedCards = \"\";<!-- [et_pb_line_break_holder] --> \tvar xWarnings1 = \"\";<!-- [et_pb_line_break_holder] --> \tvar xWarnings2 = \"\";<!-- [et_pb_line_break_holder] --> \tvar xGDSR = 0;<!-- [et_pb_line_break_holder] --> \tvar xTDSR = 0;<!-- [et_pb_line_break_holder] --> \tvar xDebtToIncome = 0;<!-- [et_pb_line_break_holder] --> \tvar xInsolvent = \"\";<!-- [et_pb_line_break_holder] --> \tvar Q1Happened = \"No\";<!-- [et_pb_line_break_holder] --> \tvar fillerValue = 0;<!-- [et_pb_line_break_holder] --> \tvar Q7Complete = false;<!-- [et_pb_line_break_holder] --> \tvar Q9Complete = false;<!-- [et_pb_line_break_holder] --> var slideOneComplete = false; <!-- [et_pb_line_break_holder] --> var slideTwoComplete = false; <!-- [et_pb_line_break_holder] --> var exploreMoreOptions = \"No\";<!-- [et_pb_line_break_holder] --> \tvar unsecuredDebtTries = 0;<!-- [et_pb_line_break_holder] --> var haveDebts = false;<!-- [et_pb_line_break_holder] --> \tvar backCount = 0;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> var slider1 = document.getElementById(\"financialSituationSlider\");<!-- [et_pb_line_break_holder] --> \tvar slider1_output = (slider1.value \/ 4);<!-- [et_pb_line_break_holder] --> \tconsole.log(\"slider1.value = \" + slider1.value);<!-- [et_pb_line_break_holder] --> \t<!-- [et_pb_line_break_holder] --> var slider2 = document.getElementById(\"financialStressSlider\");<!-- [et_pb_line_break_holder] --> \tvar slider2_output = (slider2.value \/ 4);<!-- [et_pb_line_break_holder] --> \tconsole.log(\"slider2.value = \" + slider2.value);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \tvar minDMPpayment<!-- [et_pb_line_break_holder] --> \tvar financialSituationNumber = slider1.value;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\tvar financialStressNumber = slider2.value;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Calculations 1<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Separates thousands in numbers with a comma<!-- [et_pb_line_break_holder] --> function thousands_separators(num) {<!-- [et_pb_line_break_holder] --> var num_parts = num.toString().split(\".\");<!-- [et_pb_line_break_holder] --> num_parts[0] = num_parts[0].replace(\/B(?=(d{3})+(?!d))\/g, \",\");<!-- [et_pb_line_break_holder] --> return num_parts.join(\".\");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \t\t\t\t\t\tvar showButtonClick = 0;<!-- [et_pb_line_break_holder] --> \t\t\t\t\t\tfunction showButton(){<!-- [et_pb_line_break_holder] --> if (showButtonClick == 0) {<!-- [et_pb_line_break_holder] --> document.getElementById(\"calculations-bottom-section\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"reCalculateButton\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"showButton\").innerText = \"Hide\";<!-- [et_pb_line_break_holder] --> reCalculate();<!-- [et_pb_line_break_holder] --> showButtonClick = 1;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> document.getElementById(\"calculations-bottom-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"reCalculateButton\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"showButton\").innerText = \"Show\";<!-- [et_pb_line_break_holder] --> showButtonClick = 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \t}<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> function reCalculate(){<!-- [et_pb_line_break_holder] --> financialSituationNumber = slider1.value;<!-- [et_pb_line_break_holder] --> \tconsole.log(\"financialSituationNumber = \" + financialSituationNumber);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> financialStressNumber = slider2.value;<!-- [et_pb_line_break_holder] --> \tconsole.log(\"financialStressNumber = \" + financialStressNumber);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \tprovinceSelected = document.getElementById(\"province\").value;<!-- [et_pb_line_break_holder] --> console.log(\"Province = \" + provinceSelected);<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Needs Help \/\/<!-- [et_pb_line_break_holder] --> var struggling = \"No\";<!-- [et_pb_line_break_holder] --> if(degreeOfHelpNeeded >= 7){struggling = \"Yes\";} else {struggling = \"No\";}<!-- [et_pb_line_break_holder] --> if(struggling == \"Yes\"){<!-- [et_pb_line_break_holder] --> document.getElementById(\"Needs-Help\").innerHTML = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> document.getElementById(\"Needs-Help\").innerHTML = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Insolvent? \/\/\/<!-- [et_pb_line_break_holder] --> var insolventIndication<!-- [et_pb_line_break_holder] --> if(degreeOfHelpNeeded >= 8){<!-- [et_pb_line_break_holder] --> insolventIndication = \"Yes\";<!-- [et_pb_line_break_holder] --> } else if(degreeOfHelpNeeded >= 6){<!-- [et_pb_line_break_holder] --> insolventIndication = \"Maybe\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> insolventIndication = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> var insolvent<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> } \/\/ End of reCalculate function<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\tfunction optionsCards(){ <!-- [et_pb_line_break_holder] --> \/\/ Option Cards \/\/<!-- [et_pb_line_break_holder] --> var optionsCount = 0;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if(bankLoanPossible == \"Yes\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-value\").innerHTML = \"3\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-paragraph\").innerHTML = \"Based on the information you've provided, it appears as though this could be a possibility if your credit score is strong enough.\";<!-- [et_pb_line_break_holder] --> } else if(bankLoanPossible == \"Maybe\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-value\").innerHTML = \"8.8\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-paragraph\").innerHTML = \"It looks as though this may be a less likey option for your situation at this time.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-value\").innerHTML = \"10.8\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-bank-paragraph\").innerHTML = \"Based on the information you entered, it doesn't look like this would be an option at this time.\";<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> if(dmpQualifies == \"Yes\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-value\").innerHTML = \"5\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-dmp\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-paragraph\").innerHTML = \"It appears as though you may qualify for this (however, a credit counsellor would need to confirm that). A Debt Management Program eliminates interest and consolidates all payments into one.\";<!-- [et_pb_line_break_holder] --> } else if(dmpQualifies == \"Maybe\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-value\").innerHTML = \"8.6\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-dmp\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-paragraph\").innerHTML = \"You'd have to check with a credit counsellor to see if this option would work for your situation. A Debt Management Program eliminates interest and consolidates all payments into one.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-value\").innerHTML = \"10.6\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-dmp-paragraph\").innerHTML = \"Based on the information you entered, it doesn't look like this would be an option right now. A Debt Management Program eliminates interest and consolidates all payments into one.\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if(consumerProposal == \"Yes\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-value\").innerHTML = \"6\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-proposal\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-paragraph\").innerHTML = \"This may be an option for you to consider. It's a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.\";<!-- [et_pb_line_break_holder] --> } else if(consumerProposal == \"Maybe\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-value\").innerHTML = \"8.5\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-proposal\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-paragraph\").innerHTML = \"It doesn't really look like this option would work for your situation. You'd need to speak to a credit counsellor to know for sure. A consumer proposal is a legal process that consolidates all payments into one.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-value\").innerHTML = \"10.5\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-proposal-paragraph\").innerHTML = \"A consumer proposal is a legal process that consolidates all payments into one, but it doesn't look like this would be an option for you at this time.\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if(insolvent == \"Yes\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-value\").innerHTML = \"7\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-insolvency\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-paragraph\").innerHTML = \"Based on the information you've entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you've exhausted all other options first.\";<!-- [et_pb_line_break_holder] --> } else if(insolvent == \"Maybe\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-value\").innerHTML = \"8.4\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-insolvency\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-paragraph\").innerHTML = \"Based on the information you've entered, it looks like bankruptcy would be a less likely option to resolve your financial challenges. You'd want to exhausted all other options first before pursuing this one.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-value\").innerHTML = \"10.4\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-front\").style.color = \"rgba(131,24,24,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-front\").style.background = \"rgba(255,112,112,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-color-descriptor\").innerHTML = \"Unlikely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-insolvency-paragraph\").innerHTML = \"Based on the information you've entered, it doesn't appear as though bankruptcy would be an option to resolve your financial situation at this time.\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if(opd == \"Yes\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-value\").innerHTML = \"5.1\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-opd\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-paragraph\").innerHTML = \"Based on what you've entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.\";<!-- [et_pb_line_break_holder] --> } else if(opd == \"Maybe\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-value\").innerHTML = \"8.4\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-opd\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-opd-paragraph\").innerHTML = \"Based on the information you've entered, it looks as though an Orderly Payment of Debts program would be a less likely option to resolve your financial challenges. You'd want to exhausted all other options first before pursuing this one.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\tdocument.getElementById(\"option-opd\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if(voluntaryDeposit == \"Yes\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 1;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-value\").innerHTML = \"5.2\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-voluntary-deposit\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-paragraph\").innerHTML = \"Based on the information you've provided, it looks as though a voluntary deposit program may be an option to address your debt situation.\";<!-- [et_pb_line_break_holder] --> } else if(voluntaryDeposit == \"Maybe\"){<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-value\").innerHTML = \"8.4\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-voluntary-deposit\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-front\").style.color = \"#968202\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-front\").style.background = \"#d9d771\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-color-descriptor\").innerHTML = \"Less Likely Option\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-voluntary-deposit-paragraph\").innerHTML = \"Based on the information you've entered, it looks as though a Voluntary Deposit program would be a less likely option to resolve your financial challenges. You'd want to exhausted all other options first before pursuing this one.\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> optionsCount = optionsCount + 0;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-voluntary-deposit\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if(exploreMoreOptions = \"Yes\") {<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-counsellor-value\").innerHTML = \"1\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-counsellor\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-counsellor-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-counsellor-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-counsellor-color-descriptor\").innerHTML = \"Possible Option\"; <!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-counsellor\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if(optionsCount <= 4){<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-self-managed-value\").innerHTML = \"2\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-self-managed\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-self-managed-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-self-managed-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-self-managed-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> } else{\t\t\t\t\t\t\t\t\t\t <!-- [et_pb_line_break_holder] --> document.getElementById(\"option-self-managed\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Webinar Card<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-webinar-value\").innerHTML = \"20\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t document.getElementById(\"option-webinar\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-webinar-front\").style.color = \"rgba(22,109,33,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-webinar-front\").style.background = \"rgba(76,213,93,1)\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-webinar-color-descriptor\").innerHTML = \"Possible Option\";<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t console.log(\"Options Available: \" + optionsCount);<!-- [et_pb_line_break_holder] --> console.log(\"optionsCount: \" + optionsCount); <!-- [et_pb_line_break_holder] --> console.log(\"------------\");<!-- [et_pb_line_break_holder] --> } \/\/ End of optionsCards function<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div id=\"meter-and-calc-section\" hidden> <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->\t\t\t\t<\/p>\n<div class=\"spacer\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"calculations\" id=\"hidden-calculations\" hidden><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"calculations-top-section\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div style=\"float: left; width: 80%;\"><!-- [et_pb_line_break_holder] --> <\/p>\n<h4 style=\"padding-top: 5px;\">Calculations – Hidden from Users<\/h4>\n<p><!-- [et_pb_line_break_holder] --> \t<button type=\"button\" class=\"button-style\" id=\"reCalculateButton\" onclick=\"reCalculate()\" hidden>Re-Calculate<\/button><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> \t<\/p>\n<div style=\"float: left; width: 20%; text-align: right; padding-right: 20px; padding-bottom: 10px;\"><!-- [et_pb_line_break_holder] --> <button type=\"button\" class=\"button-style\" id=\"showButton\" onclick=\"showButton()\">Show<\/button><!-- [et_pb_line_break_holder] --> \t<\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"calculations-bottom-section\" hidden><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"column calc-section\"><!-- [et_pb_line_break_holder] --> <pee><b>General Numbers:<\/b><\/pee><!-- [et_pb_line_break_holder] --> <pee>Income: $<span class=\"colored-results\" id=\"IncomeAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>People in Household: <span class=\"colored-results\" id=\"PeopleAmountx2\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Housing Expenses: $<span class=\"colored-results\" id=\"HousingExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Food Expenses: $<span class=\"colored-results\" id=\"FoodExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Transportation: $<span class=\"colored-results\" id=\"TransportationExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Medical Expenses: $<span class=\"colored-results\" id=\"MedicalExpenseAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Support Payments: $<span class=\"colored-results\" id=\"SupportPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Home Value: $<span class=\"colored-results\" id=\"HomeValueAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Mortgage Balance: $<span class=\"colored-results\" id=\"MortgageBalanceAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Other Assets: $<span class=\"colored-results\" id=\"AssetValueAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Government Debt Amount: $<span class=\"colored-results\" id=\"GovDebtPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Secured Debt Amount: $<span class=\"colored-results\" id=\"SecuredDebtAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Unsecured Debt Amount: $<span class=\"colored-results\" id=\"UnsecuredDebtAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Debt Payments: $<span class=\"colored-results\" id=\"DebtPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Debt Payments as % of Income: <span class=\"colored-results\" id=\"DebtPaymentPercentx\"><\/span>%<\/pee><!-- [et_pb_line_break_holder] --> <pee hidden>Result: $<span class=\"colored-results\" id=\"resultAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee><b>Debt Consolidation Loan:<\/b><\/pee><!-- [et_pb_line_break_holder] --> <pee><b><em>Bank Loan:<\/em><\/b><\/pee><!-- [et_pb_line_break_holder] --> <pee>Assumed Loan Amount: $<span class=\"colored-results\" id=\"LoanAmountx\"><\/span> (Max: $<span id=\"BankLoanmax\"><\/span>)<\/pee><!-- [et_pb_line_break_holder] --> <pee>Monthly Loan Payment: $<span class=\"colored-results\" id=\"LoanPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>GDSR: <span class=\"colored-results\" id=\"GDSRx\"><\/span>% (Max: <span id=\"GDSRbankmax\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] --> <pee>TDSR: <span class=\"colored-results\" id=\"TDSRx\"><\/span>% (Max: <span id=\"TDSRbankmax\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Assets >= Loan Amount: <span class=\"colored-results\" id=\"AssetsGreaterThanLoan\"><\/span> (Actual: <span class=\"colored-results\" id=\"AssetsGreaterThanLoanPercent\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] --> <pee>Qualifies for Bank Loan: <span class=\"colored-results\" id=\"BankLoanQualifiesx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee><b><em>Finance Company Loan:<\/em><\/b><\/pee><!-- [et_pb_line_break_holder] --> <pee>Assumed Loan Amount: $<span class=\"colored-results\" id=\"LoanAmountxFC\"><\/span> (Max: $<span id=\"FCLoanmax\"><\/span>)<\/pee><!-- [et_pb_line_break_holder] --> <pee>Monthly Loan Payment: $<span class=\"colored-results\" id=\"FCLoanPaymentAmountx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>GDSR: <span class=\"colored-results\" id=\"GDSRxFC\"><\/span>% (Max: <span id=\"GDSRmaxFC\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] --> <pee>TDSR: <span class=\"colored-results\" id=\"TDSRxFC\"><\/span>% (Max: <span id=\"TDSRmaxFC\"><\/span>%)<\/pee><!-- [et_pb_line_break_holder] --> <pee>Qualifies for Finance Company Loan: <span class=\"colored-results\" id=\"FinanceCoLoanQualifiesx\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"column calc-section\"><!-- [et_pb_line_break_holder] --> <pee><b>Debt Relief Numbers:<\/b><\/pee><!-- [et_pb_line_break_holder] --> <pee>Needs Help?: <span class=\"colored-results\" id=\"Needs-Help\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Assets can pay off consumer debt?: <span class=\"colored-results\" id=\"AssetsPayOffConsumerDebt\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee><b>DMP Qualifier<\/b><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Redline (Debt to Income Level): <span class=\"colored-results\" id=\"redlinex\"><\/span>% (Line at 23%)<\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Debt Amount > Min: ‘<span class=\"colored-results\" id=\"overDebtMinimum2\"><\/span>‘ (5K+ Ideal, 3K Min)<\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Income: $<span class=\"colored-results\" id=\"IncomeAmountx2\"><\/span> – Survival Expenses: $<span class=\"colored-results\" id=\"SurvivalExpenses\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Income – Survival Expenses: $<span class=\"colored-results\" id=\"DMPIncomeMinusExpenses\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Minimum DMP Payment: $<span class=\"colored-results\" id=\"MinDMPPayment\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Can afford a DMP: <span class=\"colored-results\" id=\"CanAffordDMP\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Qualifies for DMP: <span class=\"colored-results\" id=\"dmp-qualifies\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee><b>Consumer Proposal:<\/b><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Debt over $5,000?: <span class=\"colored-results\" id=\"overDebtMinimum\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Lowest CP Payment Est.: $<span class=\"colored-results\" id=\"LowestCPPayment\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Enough income for CP payments? : <span class=\"colored-results\" id=\"canAffordCP\"><\/span>, $<span class=\"colored-results\" id=\"DMPIncomeMinusExpenses2\"><\/span><\/pee><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t<pee>Bkrpt Exemption Amount: $<span class=\"colored-results\" id=\"exemption-amount\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Amount over(+)\/under(-) guideline: $<span class=\"colored-results\" id=\"over-under-amount\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Over $200 above guideline?: <span class=\"colored-results\" id=\"over-200\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <pee>Qualifies for CP: <span class=\"colored-results\" id=\"cp-qualifies\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> \t<pee><b>Insolvency<\/b><\/pee><!-- [et_pb_line_break_holder] --> \t<pee>Insolvent?: <span class=\"colored-results\" id=\"Insolvent\"><\/span><\/pee><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> jQuery( document ).ready(function( $ ) {<!-- [et_pb_line_break_holder] --> var FormComplete = false;<!-- [et_pb_line_break_holder] --> function displayResults() {<!-- [et_pb_line_break_holder] --> \t\/\/ Page 1<!-- [et_pb_line_break_holder] --> var checkBox6 = document.getElementById(\"CheckQ3-1\");<!-- [et_pb_line_break_holder] --> var checkBox7 = document.getElementById(\"CheckQ3-2\");<!-- [et_pb_line_break_holder] --> var checkBox8 = document.getElementById(\"CheckQ3-3\");<!-- [et_pb_line_break_holder] --> var checkBox9 = document.getElementById(\"CheckQ3-4\");<!-- [et_pb_line_break_holder] --> var checkBox10 = document.getElementById(\"CheckQ3-5\");<!-- [et_pb_line_break_holder] --> var checkBox11 = document.getElementById(\"CheckQ5-1\");<!-- [et_pb_line_break_holder] --> var checkBox12 = document.getElementById(\"CheckQ5-2\");<!-- [et_pb_line_break_holder] --> var checkBox13 = document.getElementById(\"CheckQ5-3\");<!-- [et_pb_line_break_holder] --> var checkBox15 = document.getElementById(\"CheckQ6-1\");<!-- [et_pb_line_break_holder] --> var checkBox16 = document.getElementById(\"CheckQ6-2\");<!-- [et_pb_line_break_holder] --> var checkBox17 = document.getElementById(\"CheckQ6-3\");<!-- [et_pb_line_break_holder] --> var checkBox18 = document.getElementById(\"CheckQ6-4\");<!-- [et_pb_line_break_holder] --> var checkBox19 = document.getElementById(\"CheckQ7-1\");<!-- [et_pb_line_break_holder] --> var checkBox20 = document.getElementById(\"CheckQ7-2\");<!-- [et_pb_line_break_holder] --> var checkBox21 = document.getElementById(\"CheckQ7-3\");<!-- [et_pb_line_break_holder] --> \tvar checkBox22 = document.getElementById(\"CheckQ7-4\");<!-- [et_pb_line_break_holder] --> \tvar checkBox23 = document.getElementById(\"CheckQ7-5\");<!-- [et_pb_line_break_holder] --> \tvar checkBox24 = document.getElementById(\"CheckQ8-1\"); <!-- [et_pb_line_break_holder] --> \tvar checkBox25 = document.getElementById(\"CheckQ8-2\"); <!-- [et_pb_line_break_holder] --> \tvar checkBox26 = document.getElementById(\"CheckQ9-1\"); <!-- [et_pb_line_break_holder] --> \tvar checkBox27 = document.getElementById(\"CheckQ9-2\"); <!-- [et_pb_line_break_holder] --> \tvar checkBox28 = document.getElementById(\"CheckQ9-3\");<!-- [et_pb_line_break_holder] --> \tvar checkBox29 = document.getElementById(\"CheckQ9-4\"); <!-- [et_pb_line_break_holder] --> \tvar checkBox30 = document.getElementById(\"CheckQ9-5\");<!-- [et_pb_line_break_holder] --> \tvar checkBox31 = document.getElementById(\"CheckQ9-6\");<!-- [et_pb_line_break_holder] --> var Q2Complete = false;<!-- [et_pb_line_break_holder] --> var Q3Complete = false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/Checks if Question 2 has a response<!-- [et_pb_line_break_holder] --> if (checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true){<!-- [et_pb_line_break_holder] --> Q2Complete = true;<!-- [et_pb_line_break_holder] --> \tif (checkBox6.checked == true) {degreeOfHelpNeeded = 1;}<!-- [et_pb_line_break_holder] --> \tif (checkBox7.checked == true) {degreeOfHelpNeeded = 5;}<!-- [et_pb_line_break_holder] --> \tif (checkBox8.checked == true) {degreeOfHelpNeeded = 7;}<!-- [et_pb_line_break_holder] --> \tif (checkBox9.checked == true) {degreeOfHelpNeeded = 8;}<!-- [et_pb_line_break_holder] --> \tif (checkBox10.checked == true) {degreeOfHelpNeeded = 9;}<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> Q2Complete = false;<!-- [et_pb_line_break_holder] --> \twindow.location.hash = '2';<!-- [et_pb_line_break_holder] --> $('#q3')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 5000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \tif (Q2Complete == true) {<!-- [et_pb_line_break_holder] --> slideOneComplete = true;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> slideOneComplete = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \/\/Checks if Question 7 has a response<!-- [et_pb_line_break_holder] --> if (checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true || checkBox22.checked == true || checkBox23.checked == true){<!-- [et_pb_line_break_holder] --> \tQ7Complete = true;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> Q7Complete = false;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/Checks if Question 9 has a response<!-- [et_pb_line_break_holder] --> if ((checkBox26.checked == true || checkBox27.checked == true || checkBox28.checked == true || checkBox29.checked == true || checkBox30.checked == true || checkBox31.checked == true) && provinceSelected != \"- Select -\"){<!-- [et_pb_line_break_holder] --> Q9Complete = true;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> Q9Complete = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \tvar vehicle = false;<!-- [et_pb_line_break_holder] --> \tvar property = false;<!-- [et_pb_line_break_holder] --> \tvar investments = false;<!-- [et_pb_line_break_holder] --> \tif (checkBox11.checked == true){vehicle = true;} else {vehicle = false;}<!-- [et_pb_line_break_holder] --> \tif (checkBox12.checked == true){property = true;} else {property = false;}<!-- [et_pb_line_break_holder] --> \tif (checkBox13.checked == true){investments = true;} else {investments = false;}<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Identifies if someone has not specified any debts<!-- [et_pb_line_break_holder] --> \tif(checkBox15.checked == false && checkBox16.checked == false && checkBox17.checked == false && checkBox18.checked == false && checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] --> haveDebts = false;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> haveDebts = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \t<!-- [et_pb_line_break_holder] --> \tif (haveDebts = false || Q9Complete == false || provinceSelected == \"- Select -\") {<!-- [et_pb_line_break_holder] --> slideTwoComplete = false;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> slideTwoComplete = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if (slideOneComplete == true && slideTwoComplete == true){<!-- [et_pb_line_break_holder] --> FormComplete = true;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> FormComplete = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> console.log(\"Q2 Completed: \" + Q2Complete);<!-- [et_pb_line_break_holder] --> console.log(\"Q3 Completed: \" + Q3Complete);<!-- [et_pb_line_break_holder] --> console.log(\"Q9 Completed: \" + Q9Complete);<!-- [et_pb_line_break_holder] --> \tconsole.log(\"dmpIndications = \" + dmpIndications);<!-- [et_pb_line_break_holder] --> console.log(\"slideOneComplete = \" + slideOneComplete);<!-- [et_pb_line_break_holder] --> \tconsole.log(\"slideTwoComplete = \" + slideTwoComplete);<!-- [et_pb_line_break_holder] --> console.log(\"Form Completed: \" + FormComplete);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/Calculations 2<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/Displays hidden answers that are revealed as needed<!-- [et_pb_line_break_holder] --> var text1 = document.getElementById(\"hidden-1_1\");<!-- [et_pb_line_break_holder] --> if (FormComplete == true){<!-- [et_pb_line_break_holder] --> text1.style.display = \"block\";<!-- [et_pb_line_break_holder] --> \tconsole.log(\"hidden-1_1 = revealed\");<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text1.style.display = \"none\";<!-- [et_pb_line_break_holder] --> \tconsole.log(\"hidden-1_1 = remains hidden\");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text6 = document.getElementById(\"hidden-2_1\");<!-- [et_pb_line_break_holder] --> if ((checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true || checkBox22.checked == true || checkBox23.checked == true) && FormComplete == true){<!-- [et_pb_line_break_holder] --> text6.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text6.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text7 = document.getElementById(\"hidden-2_2\");<!-- [et_pb_line_break_holder] --> if ((checkBox15.checked == true || checkBox16.checked == true || checkBox17.checked == true || checkBox18.checked == true) && FormComplete == true){<!-- [et_pb_line_break_holder] --> text7.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text7.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text8 = document.getElementById(\"hidden-2_3\");<!-- [et_pb_line_break_holder] --> if (checkBox21.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text8.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text8.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text9 = document.getElementById(\"hidden-2_4\");<!-- [et_pb_line_break_holder] --> if ((checkBox24.checked == true || checkBox25.checked == true) && FormComplete == true){<!-- [et_pb_line_break_holder] --> text9.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text9.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text10 = document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] --> if (checkBox23.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text10.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text10.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text11 = document.getElementById(\"hidden-3_1\");<!-- [et_pb_line_break_holder] --> if (checkBox6.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text11.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text11.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text12 = document.getElementById(\"hidden-3_2\");<!-- [et_pb_line_break_holder] --> if (checkBox7.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text12.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text12.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text13 = document.getElementById(\"hidden-3_3\");<!-- [et_pb_line_break_holder] --> if (checkBox8.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text13.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text13.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text14 = document.getElementById(\"hidden-3_4\");<!-- [et_pb_line_break_holder] --> if (checkBox9.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text14.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text14.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var text15 = document.getElementById(\"hidden-3_5\");<!-- [et_pb_line_break_holder] --> if (checkBox10.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] --> text15.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text15.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if (FormComplete == true){<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"goback\").scrollIntoView();<!-- [et_pb_line_break_holder] --> document.getElementById(\"errorMessage\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"errorMessage-2\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"hidden-heading\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> \t\/\/Draws the eye to revealed text by putting new section in view then fading in text<!-- [et_pb_line_break_holder] --> \twindow.location.hash = 'top-h2';<!-- [et_pb_line_break_holder] --> \/*$('#reveal-section')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#eaffed\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"#eaffed\"}, 5000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; });*\/ <!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> var noValue = 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->\t<!-- [et_pb_line_break_holder] --> \t\/\/Code for jumping back to slide one<!-- [et_pb_line_break_holder] --> document.getElementById(\"goback\").onclick = function() {<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"first-top-heading\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-two\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"card-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"back-to-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> backCount = backCount + 1;<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/Code for jumping back to slide two<!-- [et_pb_line_break_holder] --> document.getElementById(\"goback-to-two\").onclick = function() {<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-two\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"hidden-heading\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"first-top-heading\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"reveal-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"back-to-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"card-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"contact-form\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> backCount = backCount + 1;<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> financialSituationNumber = slider1.value;<!-- [et_pb_line_break_holder] --> \t\t\t\tfinancialStressNumber = slider2.value;<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ If person has significant assets or secured debt, then their situation will require more in-depth analysis<!-- [et_pb_line_break_holder] --> \tif(checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox15.checked == true || checkBox16.checked == true || checkBox17.checked == true || checkBox18.checked == true) {<!-- [et_pb_line_break_holder] --> exploreMoreOptions = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> exploreMoreOptions = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ When the only debt is a service provider debt<!-- [et_pb_line_break_holder] --> \tvar onlyServiceProviderDebt = \"No\";<!-- [et_pb_line_break_holder] --> \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == true){<!-- [et_pb_line_break_holder] --> onlyServiceProviderDebt = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> onlyServiceProviderDebt = \"No\";<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> \t<!-- [et_pb_line_break_holder] --> \t\/\/Checks to see if a debt consolidation loan is a possibility<!-- [et_pb_line_break_holder] --> \tif(financialSituationNumber <= 20 || financialStressNumber <= 20 || checkBox11.checked == true || checkBox13.checked == true) {<!-- [et_pb_line_break_holder] --> bankLoanPossible = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ A debt consolidation loan is ruled out in these cases<!-- [et_pb_line_break_holder] --> \tif(bankLoanPossible == \"Yes\" && (checkBox21.checked == true || checkBox26.checked == true || checkBox31.checked == true)) {<!-- [et_pb_line_break_holder] --> bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Looks to see if a consumer proposal is a possibility<!-- [et_pb_line_break_holder] --> \tif(financialSituationNumber >= 20 || financialStressNumber >= 22 || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true || checkBox24.checked == true || checkBox25.checked == true) {<!-- [et_pb_line_break_holder] --> consumerProposal = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> consumerProposal = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Looks to see if bankruptcy is a possibility<!-- [et_pb_line_break_holder] --> \tif(financialSituationNumber >= 30 || financialStressNumber >= 25 || checkBox24.checked == true || checkBox25.checked == true) {<!-- [et_pb_line_break_holder] --> insolvent = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> insolvent = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Turns bankruptcy to Maybe if the person owns property<!-- [et_pb_line_break_holder] --> \tif(insolvent == \"Yes\" && checkBox12.checked == true){<!-- [et_pb_line_break_holder] --> insolvent = \"Maybe\";<!-- [et_pb_line_break_holder] --> console.log(\"(property) insolvent (should be 'Maybe') = \" + insolvent);<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> console.log(\"(property) insolvent -> filerValue\");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Signs of DMP being a possible option<!-- [et_pb_line_break_holder] --> \tif(financialSituationNumber >= 14 || financialStressNumber >= 15 || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true || checkBox22.checked == true || checkBox23.checked == true || checkBox26.checked == true || checkBox27.checked == true || checkBox28.checked == true || checkBox29.checked == true || checkBox30.checked == true){<!-- [et_pb_line_break_holder] --> dmpIndications = \"Yes\";<!-- [et_pb_line_break_holder] --> \tdmpQualifies = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> dmpIndications = \"No\";<!-- [et_pb_line_break_holder] --> dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if((financialSituationNumber >= 20 || financialStressNumber >= 22 || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true || checkBox24.checked == true || checkBox25.checked == true) && (provinceSelected == \"Alberta\" || provinceSelected == \"Nova Scotia\")){<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\topd = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> opd = \"No\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"sa-hidden-form\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> if((financialSituationNumber >= 20 || financialStressNumber >= 22 || checkBox8.checked == true || checkBox9.checked == true || checkBox10.checked == true || checkBox24.checked == true || checkBox25.checked == true) && provinceSelected == \"Quebec\"){<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvoluntaryDeposit = \"Yes\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> voluntaryDeposit = \"No\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"sa-hidden-form\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Changes 'insolvent' from 'Yes' to 'Maybe' if the only debt is a service provider debt<!-- [et_pb_line_break_holder] --> \tconsole.log(\"insolvent (before service provider debt) = \" + insolvent);<!-- [et_pb_line_break_holder] --> \tif(insolvent == \"Yes\" && onlyServiceProviderDebt == \"Yes\") {<!-- [et_pb_line_break_holder] --> insolvent = \"Maybe\";<!-- [et_pb_line_break_holder] --> console.log(\"(serv provider) insolvent (should be 'Maybe') = \" + insolvent);<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> console.log(\"(serv provider) insolvent -> filerValue\");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Changes 'consumerProposal' from 'Yes' to 'Maybe' if the only debt is a service provider debt<!-- [et_pb_line_break_holder] --> \tconsole.log(\"consumerProposal (before service provider debt) = \" + consumerProposal);<!-- [et_pb_line_break_holder] --> \tif(consumerProposal == \"Yes\" && onlyServiceProviderDebt == \"Yes\") {<!-- [et_pb_line_break_holder] --> consumerProposal = \"Maybe\";<!-- [et_pb_line_break_holder] --> console.log(\"(serv provider) consumerProposal (should be 'Maybe') = \" + consumerProposal);<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> console.log(\"(serv provider) consumerProposal -> filerValue\");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Eliminates DMP as an option if there are no regular unsecured debts<!-- [et_pb_line_break_holder] --> \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false) {<!-- [et_pb_line_break_holder] --> dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Eliminates DMP as an option if someone's situation is really good<!-- [et_pb_line_break_holder] --> \tif((checkBox6.checked == true || checkBox7.checked == true) && (financialSituationNumber <= 5 || financialStressNumber <= 5) && checkBox26.checked == false) {<!-- [et_pb_line_break_holder] --> dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Eliminates a consolidation loan as an option if there are no debts to consolidate<!-- [et_pb_line_break_holder] --> \tif(checkBox16.checked == false && checkBox17.checked == false && checkBox18.checked == false && checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] --> bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Eliminates a consumer proposal as an option if there are no appropriate debts to deal with<!-- [et_pb_line_break_holder] --> \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] --> consumerProposal = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Eliminates bankruptcy, OPD, and Volunary Deposit as options if there are no appropriate debts to deal with<!-- [et_pb_line_break_holder] --> \tif(checkBox19.checked == false && checkBox20.checked == false && checkBox21.checked == false && checkBox22.checked == false && checkBox23.checked == false && checkBox24.checked == false && checkBox25.checked == false) {<!-- [et_pb_line_break_holder] --> opd = \"No\";<!-- [et_pb_line_break_holder] --> voluntaryDeposit = \"No\";<!-- [et_pb_line_break_holder] --> insolvent = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Turns all debt relief options to No if there is no income<!-- [et_pb_line_break_holder] --> \tif(checkBox31.checked == true) {<!-- [et_pb_line_break_holder] --> insolvent = \"No\";<!-- [et_pb_line_break_holder] --> dmpQualifies = \"No\";<!-- [et_pb_line_break_holder] --> consumerProposal = \"No\";<!-- [et_pb_line_break_holder] --> bankLoanPossible = \"No\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> fillerValue = 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \toptionsCards();<!-- [et_pb_line_break_holder] --> \t<!-- [et_pb_line_break_holder] --> \/\/ Call to action<!-- [et_pb_line_break_holder] --> var text01 = document.getElementById(\"hidden-cta\");<!-- [et_pb_line_break_holder] --> \tvar text03 = document.getElementById(\"sa-hidden-form\");<!-- [et_pb_line_break_holder] --> \tvar text04 = document.getElementById(\"contact-me\");<!-- [et_pb_line_break_holder] --> if ((checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox10.checked == true || checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox15.checked == true || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true) && FormComplete == true && secondPageComplete == true){<!-- [et_pb_line_break_holder] --> text01.style.display = \"block\";<!-- [et_pb_line_break_holder] --> \ttext03.style.display = \"block\";<!-- [et_pb_line_break_holder] --> \ttext04.style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> text01.style.display = \"none\";<!-- [et_pb_line_break_holder] --> \ttext03.style.display = \"none\";<!-- [et_pb_line_break_holder] --> \ttext04.style.display = \"none\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<!-- [et_pb_line_break_holder] --> } \/\/End of displayResults function ***************** <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/Runs through checkbox responses on completion of first page<!-- [et_pb_line_break_holder] --> \t\t$(\"#slide-one-done\").click(function(){<!-- [et_pb_line_break_holder] --> displayResults();<!-- [et_pb_line_break_holder] --> slideOneComplete = true;<!-- [et_pb_line_break_holder] --> console.log(\"slideOneComplete = \" + slideOneComplete);<!-- [et_pb_line_break_holder] --> if (slideOneComplete == true && slideTwoComplete == false){<!-- [et_pb_line_break_holder] --> \/\/Proceed to page two<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-two\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> setTimeout(function () {<!-- [et_pb_line_break_holder] --> if (backCount == 0 && slideTwoComplete == false) {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdocument.getElementById(\"back-to-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> console.log(\"back-to-one VIEWABLE 1\");<!-- [et_pb_line_break_holder] --> console.log(\"backCount = \" + backCount);<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tfillerValue = 0;<!-- [et_pb_line_break_holder] --> console.log(\"backCount = \" + backCount);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }, 15000); <!-- [et_pb_line_break_holder] --> } else if (backCount >= 1) {<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-two\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdocument.getElementById(\"back-to-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> \/\/Stay on page one to complete it. Error message above will be triggered<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-two\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"errorMessage\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/ Second Continue Button (on page two)\/\/<!-- [et_pb_line_break_holder] --> $(\"#slide-two-done\").click(function(){<!-- [et_pb_line_break_holder] --> reCalculate();<!-- [et_pb_line_break_holder] --> displayResults();<!-- [et_pb_line_break_holder] --> console.log(\"Second Continue Button Pushed | slideTwoComplete = \" + slideTwoComplete);<!-- [et_pb_line_break_holder] --> if(slideTwoComplete == false){<!-- [et_pb_line_break_holder] --> \/\/ What happens when button is pushed and needed second page sections aren't filled in \/\/<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"back-to-one\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"final-slide\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"reveal-section\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"errorMessage-2\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> if(Q9Complete == false){<!-- [et_pb_line_break_holder] --> window.location.hash = '9';<!-- [et_pb_line_break_holder] --> $('#q9')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 30000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (provinceSelected == \"- Select -\"){<!-- [et_pb_line_break_holder] --> $('#province-question')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 30000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> document.getElementById(\"province-question\").style.background = \"#af25258f\"; <!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if(Q7Complete == false){<!-- [et_pb_line_break_holder] --> document.getElementById(\"warning-2\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> window.location.hash = '7';<!-- [et_pb_line_break_holder] --> $('#q7')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 30000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; }); <!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tif(haveDebts == false){<!-- [et_pb_line_break_holder] --> \twindow.location.hash = '6';<!-- [et_pb_line_break_holder] --> \tconsole.log(\"triggered: haveDebts = false\");<!-- [et_pb_line_break_holder] --> $('#q6')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 30000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; }); <!-- [et_pb_line_break_holder] --> $('#q8')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 30000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; }); <!-- [et_pb_line_break_holder] --> } <!-- [et_pb_line_break_holder] --> console.log(\"Won't Continue to Final Page - 2nd Page Criteria Not Met\");<!-- [et_pb_line_break_holder] --> } else if (Q7Complete == false && unsecuredDebtTries == 0) {<!-- [et_pb_line_break_holder] --> document.getElementById(\"warning-2\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> window.location.hash = '7';<!-- [et_pb_line_break_holder] --> $('#q7')<!-- [et_pb_line_break_holder] --> .css({backgroundColor:\"#af25258f\"})<!-- [et_pb_line_break_holder] --> .animate({backgroundColor:\"transparent\"}, 15000, null, <!-- [et_pb_line_break_holder] --> function() { this.style.backgroundColor='transparent'; }); <!-- [et_pb_line_break_holder] --> unsecuredDebtTries = unsecuredDebtTries + 1;<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> \/\/ This is what happens when all required data is provided and we move forward to the final results<!-- [et_pb_line_break_holder] --> console.log(\"Continue to Final Page - All Criteria Met\");<!-- [et_pb_line_break_holder] --> document.getElementById(\"warning-2\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"errorMessage-2\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"slide-two\").style.display = \"none\"; <!-- [et_pb_line_break_holder] --> document.getElementById(\"first-top-heading\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"hidden-heading\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> setTimeout(function () {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdocument.getElementById(\"back-to-two\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> }, 10000);<!-- [et_pb_line_break_holder] --> document.getElementById(\"final-slide\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"reveal-section\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"card-section\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"option-cards-intro\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"cards\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"top-spacer\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"bottom-spacer\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"contact-form\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"contact-me\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"sa-hidden-form\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"back-to-one\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> secondPageComplete = true;<!-- [et_pb_line_break_holder] --> console.log(\"secondPageComplete = \" + secondPageComplete);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> \/\/ Sorting Options Cards when second continue button is pushed \/\/<!-- [et_pb_line_break_holder] --> const container = document.getElementById('cards');<!-- [et_pb_line_break_holder] --> const divElements = document.querySelectorAll('.card-shape');<!-- [et_pb_line_break_holder] --> const divArray = Array.from(divElements);<!-- [et_pb_line_break_holder] --> divArray.sort((a, b) => {<!-- [et_pb_line_break_holder] --> const aValue = parseInt(a.querySelector('h3').textContent);<!-- [et_pb_line_break_holder] --> const bValue = parseInt(b.querySelector('h3').textContent);<!-- [et_pb_line_break_holder] --> return aValue - bValue;<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> container.innerHTML = '';<!-- [et_pb_line_break_holder] --> divArray.forEach(div => {<!-- [et_pb_line_break_holder] --> container.appendChild(div);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> window.location.hash = 'how-we-can-help';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }); <!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \/\/Put checkbox responses into an array to send to HubSpot<!-- [et_pb_line_break_holder] --> $(\"#slide-two-done\").click(function(){<!-- [et_pb_line_break_holder] --> displayResults();<!-- [et_pb_line_break_holder] --> var responseArray = [];<!-- [et_pb_line_break_holder] --> var responses;<!-- [et_pb_line_break_holder] --> $.each($(\"input[name='question']:checked\"), function(){<!-- [et_pb_line_break_holder] --> responseArray.push($(this).val());<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> responses = responseArray.join(\", \");<!-- [et_pb_line_break_holder] --> document.getElementsByName(\"responses_to_4_questions\").value = responses; <!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --> \t\/\/ Dims screen for form and undims it when X is clicked<!-- [et_pb_line_break_holder] --> let spotlightObject = document.getElementById(\"inner-contact-form\");<!-- [et_pb_line_break_holder] --> function Show_Form() {<!-- [et_pb_line_break_holder] --> spotlightObject.classList.add(\"dim\");<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"endDim\").style.display = \"block\";<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"sa-hidden-form\").style.boxShadow = \"0px 0px 0px 0px\";<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"contact-me\").style.padding = \"20px 30px 0px 30px\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \tdocument.getElementById(\"endDim\").addEventListener(\"click\", closeDim);<!-- [et_pb_line_break_holder] --> function closeDim() {<!-- [et_pb_line_break_holder] --> spotlightObject.classList.remove(\"dim\");<!-- [et_pb_line_break_holder] --> document.getElementById(\"endDim\").style.display = \"none\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"sa-hidden-form\").style.boxShadow = \"0px 1px 15px 5px #c3c3c3\";<!-- [et_pb_line_break_holder] --> document.getElementById(\"contact-me\").style.padding = \"20px 30px 30px 30px\";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> \t\t\t<\/script><!-- [et_pb_line_break_holder] --> \t\t\t\t\t\t\t\t\t<\/p>\n<div id=\"contact-form\" hidden><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"inner-contact-form\"><!-- [et_pb_line_break_holder] --> <span id=\"endDim\" hidden>X<\/span><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"contact-me\" hidden><!-- [et_pb_line_break_holder] --> <\/p>\n<h2>Get Help Today<\/h2>\n<p><!-- [et_pb_line_break_holder] --> <pee>Give us a call to speak with one of our credit counsellors at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a>, or if you’d like us to contact you instead, please fill out the form below.<\/pee><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"sa-hidden-form\" hidden><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> hbspt.forms.create({<!-- [et_pb_line_break_holder] --> region: \"na1\",<!-- [et_pb_line_break_holder] --> portalId: \"4092106\",<!-- [et_pb_line_break_holder] --> formId: \"2036f915-6e59-4065-9ebb-db74493b7203\"<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> <\/script><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] --> \t\t\t\t\t\t\t\t\t<\/p>\n<div style=\"height: 100px;\" id=\"bottom-spacer\" hidden><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/form>\n<p><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/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<h2>Types of Debts – What Bankruptcy Can’t Do<\/h2>\n<p>Bankruptcy isn’t something most people want to talk about with their friends. Yes, bankruptcy gets rid of most of your debts, but did you know that there are some debts you might still have to repay because they can’t be included in your bankruptcy?<\/p>\n<p>3 common <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/secured-non-secured-debts-in-bankruptcy\">types of debt that aren’t included in a bankruptcy<\/a> are:<\/p>\n<ul>\n<li>Secured debts, <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-mortgage-foreclosure\">like a mortgage<\/a> or car loan<\/li>\n<li>Student loans that are less than 7 years old<\/li>\n<li>Child and alimony support payments that you’re behind on<\/li>\n<\/ul>\n<p>Many people think that they need to declare bankruptcy because of their credit card debt, but if that debt is recent, creditors may not allow you to eliminate those balances with bankruptcy.<\/p>\n<h3>The Bankruptcy Process – Working with Your Trustee to Obtain Your Discharge<\/h3>\n<p>It’s not well known, but it takes at least 9 months to go through <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-process-steps\">all the steps of the bankruptcy process<\/a>. As part of the process, you make payments to your trustee for <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/cost-and-fees-of-declaring-bankruptcy\">the costs and fees of going bankrupt<\/a>, and you also have to attend two <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-counselling-attend-two-sessions-step-7\">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 BC, your trustee will sell your assets for you.<\/p>\n<p>Many people aren’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’s situation, they may need to attend a hearing, answer questions under oath and\/or meet additional requirements to obtain their discharge.<\/p>\n<h3>Credit Ratings & Bankruptcy in Canada<\/h3>\n<p>Legally eliminating debt through bankruptcy seriously impacts your credit rating and makes it hard to <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/how-to-rebuild-credit-after-bankruptcy\">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, <a href=\"https:\/\/mymoneycoach.ca\/credit\/how-to-apply-for-a-credit-card\" target=\"_blank\" rel=\"noopener\">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<p> [\/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<h2>Canadians We Helped Interviewed on the News<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_orientation=”center” max_width=”1500px” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n<p>From time to time, the news media interviews some of the people we helped who are comfortable sharing their story publicly. Below are three Canadians who shared their experience with the Credit Counselling Society.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1500px” custom_padding=”||30px|||” use_custom_width=”on” custom_width_px=”1280px” global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=” margin: auto;|| width: 50%;||” custom_css_main_element_phone=” “][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” custom_padding=”0px|0px|0px|0px|false|false” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” custom_padding__hover=”|||” background__hover_enabled=”off|desktop” background_enable_color__hover=”off” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-1.jpg” url=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4″ url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]Global TV interviews Julia Fletcher after she eliminates her debt with zero interest & avoids bankruptcy with help from the Credit Counselling Society. <a href=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" target=\"_blank\" rel=\"noopener\">See Story Now<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_scale_last_edited=”off|desktop” transform_translate_last_edited=”off|desktop” transform_translate_linked__hover=”off” transform_rotate_last_edited=”off|desktop” transform_skew_last_edited=”off|desktop” transform_origin_last_edited=”off|desktop” transform_styles_last_edited=”off|desktop” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-2_3.jpg” url=”https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592″ url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_font=”|600|||||||” header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]CTV 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 – Help to Pay Down Debt<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” custom_padding=”0px|0px|0px|0px|false|false” animation_style=”zoom” animation_direction=”top” animation_intensity_zoom=”5%” custom_css_main_element=”max-width: 530px;” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” custom_padding__hover=”|||” background__hover_enabled=”off|desktop” background_enable_color__hover=”off” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”\/wp-content\/uploads\/2020\/09\/client-4_3.jpg” url=”https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt” url_new_window=”on” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” header_4_font=”|600|||||||” header_4_font_size=”22px” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]Global TV interviews Charis who consolidated with us and has nearly paid off $67,000 in debt on 13 credit cards. <a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener\">Watch 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<p style=\"text-align: center;\">See even more examples of <a href=\"https:\/\/nomoredebts.org\/press-media\">the Credit Counselling Society appearing in the local and national news<\/a>.<\/p>\n<p>[\/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″ 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.wprev_preview_tcolor2_T6 {color:#555555;}#wprev-slider-21 .wprs_rd_more,.wprs_rd_less,.wprevpro_btn_show_rdpop{color:#0000ee;}<\/style><style>#wprev-slider-21 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp: 3;-webkit-box-orient: vertical;overflow:hidden;hyphens: auto;word-break: auto-phrase;}<\/style><\/div><div class=\"wprevpro wprev-slick-slider \" id=\"wprev-slider-21\"><div id=\"wprevgoslickid_21\" style=\"display:none;\" class=\"wprevgoslick w3_wprs-row\" data-avatartemplate=\"0\" data-totalreviewsnum=\"9\" data-revsperrow=\"3\" data-wprevmasonry=\"no\" data-loadmore=\"no\" data-avatarnav=\"no\" data-revsameheight=\"yes\" data-slickwprev='{\"slidesToShow\": 3,\"slidesToScroll\": 3,\"dots\": true,\"arrows\": true,\"infinite\": false,\"speed\": 750,\"adaptiveHeight\": false,\"centerMode\": false,\"fade\":false,\"centerPadding\": \"60px\", \"rows\":1}'><div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1637625600_86.jpg\" alt=\"Roz Bones Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Roz Bones<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='86'>\t\t\t\tThey are very helpful and pleasant. Highly recommend!<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/184500263\/posts\/606580801896\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1607299200_87.jpg\" alt=\"Amber Morley Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Amber Morley<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='87'>\t\t\t\tvery helpful, they offer great counselling services to help with debt<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100015155886508\/posts\/1068169873698199\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1598313600_89.jpg\" alt=\"Bev Petow Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Bev Petow<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='89'>\t\t\t\tI highly recommend talking with the CCS to get you started in better understanding what options you may have in the finance realm - which has a language and is an animal all it's own.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100000305070498\/posts\/3431930360160433\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1592870400_90.jpg\" alt=\"Mark Eastham Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Mark Eastham<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='90'>\t\t\t\tI got in over my head and now The Credit Counseling Society is helping me find a way out, very professional<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/1509525938\/posts\/10222714016508260\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1573171200_91.jpg\" alt=\"Dasha HR Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Dasha HR<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='91'>\t\t\t\tYesterday our head office employees attended a very informative presentation for our regular Lunch & Learn wellness seminars on the topic of \"75 Ways to Save Money on Everyday Living\", presented by Anne Arbour of mymoneycoach.ca Anne's presentation was thorough, relevant and presented with humour and insight. We all took away some valuable tips and would love to have Anne come back and present on one of their other topics about personal financial wellness.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100013840846357\/posts\/752216961916325\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1571270400_92.jpg\" alt=\"Annie Gatfield Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Annie Gatfield<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='92'>\t\t\t\tNon judgemental and informative interview.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/100011132057220\/posts\/940301359684257\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1570579200_93.jpg\" alt=\"Mandolin Hart Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Mandolin Hart<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='93'>\t\t\t\tThe Credit Counselling Society has been amazing to work with. I cannot recommend them enough.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/754565065\/posts\/10162520132195066\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1567123200_94.jpg\" alt=\"Warren Chemin Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Warren Chemin<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='94'>\t\t\t\tFeel at ease with them, they are very professional but also human and kind<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/1439564236\/posts\/10214829663482030\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<div class=\" wprevpro_t6_DIV_1 w3_wprs-col l4 outerrevdiv\">\r\n<div class=\"wpproslider_t6_DIV_1a\">\r\n\t<div class=\"indrevdiv wpproslider_t6_DIV_2 wprev_preview_bg1_T6 wprev_preview_bradius_T6\">\r\n\t<div class=\"wpproslider_t6_DIV_2_top\">\r\n\t\t<div class=\"wpproslider_t6_DIV_3L\" ><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/wprevslider\/avatars\/1562889600_95.jpg\" alt=\"Paula Ewaski Avatar\" class=\"wpproslider_t6_IMG_2 wprevpro_avatarimg\" \/><\/div>\r\n\t\t<div class=\"wpproslider_t6_DIV_3\">\r\n\t\t\t<div class=\"t6displayname wpproslider_t6_STRONG_5 wprev_preview_tcolor2_T6\">Paula Ewaski<\/div>\r\n\t\t\t<div class=\"wpproslider_t6_star_DIV\"><span class=\"wprevpro_star_imgs_T6\"><span class=\"starloc1 wprevpro_star_imgs wprevpro_star_imgsloc1\"><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><span class=\"svgicons svg-wprsp-star\"><\/span><\/span><\/span><\/div>\r\n\t\t\t<div class=\"wpproslider_t6_SPAN_6 wprev_preview_tcolor2_T6\"><span class=\"wprev_showdate_T6\"><\/span><\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<div class=\" wpproslider_t6_DIV_4\">\r\n\t\t\t<div class=\"indrevtxt wpproslider_t6_P_4 wprev_preview_tcolor1_T6\"><div class='readmoretextdiv indrevlineclamp' data-lines='3' data-revid='95'>\t\t\t\tGot some great advice on how to deal with some financial matters, was all done over the phone. Quick, fast and painless.<\/div><div class='divwprsrdmore' style='opacity:0;'><span class='wprs_rd_more'>read more<\/span><span class='wprs_rd_less' style='display:none;'>read less<\/span><\/div>\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\r\n\t<div class=\"wpproslider_t6_DIV_3_logo\"><a href=\"https:\/\/www.facebook.com\/664656007\/posts\/10156048180266008\" target=\"_blank\" rel=\"nofollow noreferrer\" class=\"wprevpro_t6_site_logo_a\"><img decoding=\"async\" width=32 height=32 src=\"https:\/\/nomoredebts.org\/wp-content\/plugins\/wp-review-slider-pro\/public\/partials\/imgs\/facebook_small_icon.svg\" alt=\"Facebook Logo\" class=\"wprevpro_t6_site_logo wprevsiteicon \"><\/a><\/div>\r\n\t<\/div>\r\n\t\r\n<\/div>\r\n\t\r\n<\/div>\r\n<\/div><\/div><script type=\"application\/ld+json\">{\"@context\": \"http:\/\/schema.org\/\",\"@type\": \"LocalBusiness\",\"name\": \"Credit Counselling Society\",\"description\": \"Serving Surrey for over 25 years, the Credit Counselling Society helps individuals put together a realistic budget, explore all their options to deal with their debt, and then create a plan to get out of debt. It is an accredited, non-profit charity that has served over 850,000 Canadians.\",\"aggregateRating\": {\"@type\": \"AggregateRating\",\"ratingValue\": \"5\",\"reviewCount\": \"154\",\"bestRating\": \"5\",\"worstRating\": \"1\"},\"image\": \"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/01\/cropped-ccs-logo-symbol.png\", \"address\": {\"@type\": \"PostalAddress\",\"addressLocality\": \"Surrey\",\"addressRegion\": \"British Columbia\",\"postalCode\": \"V3R 7K1\",\"addressCountry\": \"\",\"streetAddress\": \"101 - 15399 102A Avenue\"}, \"telephone\": \"604-527-8999\"}<\/script>\r\n[\/et_pb_code][\/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<h2>BC Bankruptcy Alternatives<\/h2>\n<p>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<h3>Consolidation & Debt Repayment Plans<\/h3>\n<p>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 <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\">other types of debt consolidation to consider<\/a>.<\/p>\n<p>Consolidating payments doesn’t involve borrowing more money, so there’s never a problem with bad credit. That’s how a <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp\">debt management program and plan<\/a> with a non-profit credit counselling organization works. Creditors help by lowering or waiving interest charges while you’re making your payments. This lets you pay off your debts and saves you thousands in interest and fees. What you pay each month is based on what you can afford after you’ve had help to create a realistic budget.<\/p>\n<h3>Settling Your Debts<\/h3>\n<p>Repayment and consolidation programs or loans help you pay back what you borrowed – which is a good thing because most people really don’t want to file for bankruptcy and walk away from their debts. However, sometimes it’s possible that only paying back part of a debt may be the best solution. That’s where <a 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’s not as far-fetched an option as you might think.<\/p>\n<h3>Filing for a Consumer Proposal<\/h3>\n<p>There are also times where you need a legal alternative to bankruptcy, so a <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal-canada\">Consumer Proposal<\/a> might be right. A <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal-canada\/bc\/surrey\">Consumer Proposal in Surrey<\/a> is set up by a trustee, and once agreed to by your creditors, you make monthly payments to repay part of what you owe.<\/p>\n<h3>How Do I Decide Which Option to Go For?<\/h3>\n<p>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 <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-counsellor-qualifications-certifications\">qualified Debt & Credit Counsellor<\/a> to help you come up with a good plan.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” next_background_color=”#ffffff” admin_label=”Testimonial” _builder_version=”4.16″ background_image=”\/wp-content\/uploads\/2020\/10\/ccs-online-reviews.jpg” background_position=”top_center” transform_scale_last_edited=”off|phone” transform_translate_last_edited=”off|phone” transform_rotate_last_edited=”off|phone” transform_skew_last_edited=”off|phone” transform_origin_last_edited=”off|phone” transform_styles_last_edited=”off|phone” z_index=”-10″ height=”750px” custom_padding=”0px||0px||false|false” top_divider_style=”wave2″ top_divider_arrangement=”above_content” top_divider_style_tablet=”” top_divider_style_phone=”” top_divider_style_last_edited=”on|phone” top_divider_height_tablet=”” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_arrangement=”above_content” bottom_divider_height_tablet=”100px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_image_phone=”\/wp-content\/uploads\/2020\/10\/ccs-online-reviews.jpg” background_enable_image_phone=”on” background_size_phone=”cover” background_position_tablet=”center_left” background_position_phone=”top_left” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ transform_scale_tablet=”100%|110%” transform_scale_phone=”” transform_scale_last_edited=”on|desktop” transform_scale_linked_tablet=”off” transform_translate_tablet=”0px|0px” transform_translate_phone=”” transform_translate_last_edited=”on|tablet” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” width=”75%” width_tablet=”100%” width_phone=”” width_last_edited=”on|tablet” max_width=”100%” max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|phone” height=”100%” max_height=”100%” custom_margin=”||||false|false” custom_padding=”0px||0px||false|false” transform_styles_tablet=”” transform_styles_phone=”” custom_css_main_element=”align-items: center;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ background_color=”rgba(91,37,175,0.7)” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate=”86px|0px” transform_translate_tablet=”0px|0px” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|tablet” custom_padding=”240px||240px||false|false” custom_padding_tablet=”240px||215px||false|false” custom_padding_phone=”170px||230px||false|false” custom_padding_last_edited=”on|tablet” animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” transform_styles_tablet=”” transform_styles_phone=”” border_color_all=”#000000″ global_colors_info=”{}”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”30px” text_line_height=”1.2em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”75%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n<p style=\"text-align: left;\">There’s Hope Without Declaring Bankruptcy<\/p>\n<p>[\/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<p style=\"text-align: left;\">“Whatever your financial worries, trepidation or fear of being judged\/forced into bankruptcy – get CCS to help. Their staff is incredible, couldn’t have dealt with a better group of people. They are truly dedicated to finding practical solutions, advocating for your financial future. First they provide hope, then they help and finish by delivering happiness.”<\/p>\n<p style=\"text-align: left;\"> <\/p>\n<p style=\"text-align: left;\"><em>– Daryl, Actual Client Review from Google<\/em><\/p>\n<p>[\/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=”{}” 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<h2>Non Profit Bankruptcy & Credit Counselling Information & Advice in Surrey, BC<\/h2>\n<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>\n<p>Your Counsellor will:<\/p>\n<ul>\n<li>Review all of your options to deal with your debts, including <a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/bankruptcy-alternatives-consumer-proposal-consolidation-settlement-dmp\">bankruptcy alternatives<\/a><\/li>\n<li>Show you how to manage your living costs and bills effectively<\/li>\n<li>Refer you to a bankruptcy trustee in Surrey if filing for bankruptcy is a good option for you<\/li>\n<li>Answer your questions and explain what you need to know so that you can decide the best way to deal with your debts<\/li>\n<\/ul>\n<p> <\/p>\n<p style=\"text-align: center;\"><b>Surrey Office<\/b><br \/>Suite 101 – 15399 102A Avenue<br \/>Surrey, BC V3R 7K1<\/p>\n<p style=\"text-align: center;\"><b>Phone: 604-527-8999<\/b><\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" width=\"600\" height=\"450\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d20860.796819414936!2d-122.8132379606688!3d49.189183985311416!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x5485d714766ca7a3%3A0x411d4de5bc4b7970!2sCredit+Counselling+Society!5e0!3m2!1sen!2sca!4v1510954652092\" frameborder=\"0\" allowfullscreen=\"\" style=\"border: 0px currentColor; border-image: none;\"><\/iframe><\/p>\n<p>Our Surrey office also provides bankruptcy alternative options in Delta, <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/new-westminster\">New Westminster<\/a>, <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/coquitlam\">Coquitlam<\/a>, <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/langley\">Langley<\/a>, <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/maple-ridge\">Maple Ridge<\/a>, Guildford, Whalley, Fleetwood, Newton, Cloverdale, South Surrey, and <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\/white-rock\">White Rock<\/a>.<\/p>\n<p> [\/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=”||29px||false|false” custom_padding_tablet=”100px||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 Surrey, BC[\/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<p>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 Surrey, contact us today at 604-527-8999, email us or chat with us online.<\/p>\n<p>[\/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<h3 style=\"text-align: center;\">Putting Your Interests First<\/h3>\n<p style=\"text-align: center;\">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<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ module_class=”mobile-stacking” _builder_version=”4.17.4″ _module_preset=”default” background_enable_image=”off” max_width=”1500px” max_width_tablet=”90%” max_width_last_edited=”off|desktop” module_alignment=”center” custom_margin_phone=”|-5.5px|||false|false” custom_margin_last_edited=”off|desktop” animation_style=”zoom” animation_intensity_zoom=”20%” global_module=”44251″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/best-workplaces-canada-certified-2022-text-bx-1.png” background_size=”initial” link_option_url=”\/about-us\/accredited-credit-counselling#best-workplaces” background_last_edited=”off|desktop” 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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<p><b>Related Articles of Interest<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\">More Info About Bankruptcy in Canada<\/a><\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/blog\/bankruptcy\/7-bankruptcy-myths\">Common Canadian Bankruptcy Myths & Misconceptions<\/a><\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/blog\/bankruptcy\/declare-bankruptcy-consolidate-credit-debt-learn-money-skills\">Will Bankruptcy Resolve My Debt Issues?<\/a><\/li>\n<\/ul>\n<p>[\/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<p><b>Related Links<\/b><\/p>\n<ul>\n<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 BC<\/a><\/li>\n<li><a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/bsf-osb.nsf\/eng\/br01467.html\" target=\"_blank\" rel=\"noopener\">Insolvency Glossary<\/a><\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/contact-us\/locations#bc\">Credit Counselling Society BC office locations<\/a><\/li>\n<\/ul>\n<p>[\/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=”||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<p style=\"text-align: center;\">The <a href=\"https:\/\/nomoredebts.org\/debt-relief-canada\/bc\/surrey\">Credit Counselling Society<\/span><\/a> also offers assistance to people who need help with their <a href=\"https:\/\/nomoredebts.org\/payday-loans-online-help-canada\/bc\/surrey\">payday loans in Surrey (even online ones)<\/a>.<\/p>\n<p>  <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Surrey Bankruptcy Info & AlternativesGet all your options, and get back on track.Personal Bankruptcy Surrey – Facts, Options & Alternatives | BC No one wants to file for bankruptcy. Find other options and get more information before taking such a drastic step. Bankruptcy in Surrey, BC – Bankruptcy can be the only thing that comes […]<\/p>\n","protected":false},"author":3,"featured_media":14435,"parent":25279,"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-25605","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 Surrey - Learn About Alternatives & Options | BC | Canada<\/title>\n<meta name=\"description\" content=\"You may not have to declare bankruptcy in Surrey, BC. Look at your alternatives before making a decision. 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