{"id":50336,"date":"2022-01-31T16:37:50","date_gmt":"2022-01-31T16:37:50","guid":{"rendered":"https:\/\/nomoredebts.org\/consumer-debt-report-2022-3"},"modified":"2025-04-11T01:22:14","modified_gmt":"2025-04-11T08:22:14","slug":"consumer-debt-report-2023","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/consumer-debt-report-2023","title":{"rendered":"Consumer Debt Report 2023"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; 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da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||80px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.19.3&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>2023 Survey Results<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]See our findings on the financial health of Canadians.[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2023\/02\/credit-counseling-society-2023-credit-survey-report-final.pdf&#8221; button_text=&#8221;Read the Report&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;&#8221; button_alignment_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.19.5&#8243; custom_button=&#8221;on&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; custom_margin=&#8221;|||0px|false|false&#8221; 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bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;100px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_flip_tablet=&#8221;&#8221; bottom_divider_flip_phone=&#8221;horizontal&#8221; bottom_divider_flip_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_dmb_breadcrumbs font_icon=&#8221;%%20%%&#8221; use_home_icon=&#8221;off&#8221; use_home_text=&#8221;on&#8221; show_custom_taxonomy_crumbs=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; body_text_color=&#8221;rgba(102,102,102,0.8)&#8221; link_text_color=&#8221;rgba(42,209,61,0.8)&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; global_module=&#8221;6437&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;rgba(90,39,178,0.4)&#8221;][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=&#8221;4.19.3&#8243; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||2px|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Consumer Debt Report 2023<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.19.3&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>After helping a lot of Canadians weather the financial storm last year which intensified through soaring inflation combined with seven consecutive interest rate hikes, we&#8217;ve completed our annual survey of over 1,500 Canadians to gain a deeper understanding of what Canadians are going through, the challenging realities they are facing, and how they are managing their finances through all this. This survey provides important insights into the debt, perceptions, feelings, financial management skills, and future outlook for people across Canada.<\/p>\n<p>[\/et_pb_text][et_pb_code disabled_on=&#8221;on|on|on&#8221; admin_label=&#8221;Top Green Bar Code&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<style><!-- [et_pb_line_break_holder] -->  #main-header {<!-- [et_pb_line_break_holder] -->    top: 80px!important;<!-- [et_pb_line_break_holder] -->    z-index: 99998!important;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  #top-green-bar-2 {<!-- [et_pb_line_break_holder] -->    text-align: center;<!-- [et_pb_line_break_holder] -->    position: fixed;<!-- [et_pb_line_break_holder] -->    top: 40px;<!-- [et_pb_line_break_holder] -->    left: 0;<!-- [et_pb_line_break_holder] -->    width: 100%;<!-- [et_pb_line_break_holder] -->    height: 40px;<!-- [et_pb_line_break_holder] -->    background: #2ad13d;<!-- [et_pb_line_break_holder] -->    padding-top: 10px;<!-- [et_pb_line_break_holder] -->    font-size: 14px;<!-- [et_pb_line_break_holder] -->    color: #fff;<!-- [et_pb_line_break_holder] -->    z-index: 99999;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><pee id=\"top-green-bar-2\">We are currently experiencing technical issues with our phone lines. If you are unable to call in, please try from a different phone or use the chat icon on the bottom right.<\/pee>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;27px||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Key Findings<\/h2>\n<ul>\n<li>82% (four-in-five) Canadians say spending on essentials is the main cause of their worsening financial situation.<\/li>\n<li>63% (over six-in-ten) Canadians anticipate making cutbacks to their expenses, with food being the top cutback.<\/li>\n<li>More than four-in-ten Canadians have experienced an increase in debt in the past year.<\/li>\n<li>33% (one-in-three) Canadians feel anxious about their current financial situation.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Credit Counselling&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.15)&#8221; custom_padding=&#8221;120px||140px||false|false&#8221; custom_padding_tablet=&#8221;||45px||false|false&#8221; custom_padding_phone=&#8221;120px||65px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; top_divider_arrangement=&#8221;above_content&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;60px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; make_equal=&#8221;on&#8221; module_id=&#8221;mission&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.3&#8243; header_2_font=&#8221;||||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_font_size=&#8221;32px&#8221; header_2_line_height=&#8221;1.3em&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: left;\">State of Personal Finances<\/h2>\n<p>Amidst inflation and rate hikes in 2022, <strong>Canadians are more likely to feel worse off now than better<\/strong>. While levels of confidence and anxiety about personal finances are similar to one year ago, the specific circumstances for Canadians have notably changed.<\/p>\n<p><strong>Canadians struggled more in 2022 because of costs<\/strong>, whereas in 2021\/2020 it had more to do with economic uncertainty.\u200b<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/our-organization_2colm.jpg&#8221; alt=&#8221;Credit Counselling Couple&#8221; title_text=&#8221;planning-savings&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; module_alignment=&#8221;center&#8221; max_height=&#8221;350px&#8221; max_height_tablet=&#8221;&#8221; max_height_phone=&#8221;&#8221; max_height_last_edited=&#8221;on|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; 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_builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_counters _builder_version=&#8221;4.19.3&#8243; title_text_color=&#8221;#000000&#8243; title_font_size=&#8221;18px&#8221; percent_text_color=&#8221;rgba(0,0,0,0)&#8221; percent_font_size=&#8221;10px&#8221; custom_margin=&#8221;-30px||3px||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; animation_direction=&#8221;left&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_counter percent=&#8221;33&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]33% feel anxious about current financial situation\u200b.[\/et_pb_counter][et_pb_counter percent=&#8221;35&#8243; bar_background_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.19.3&#8243; percent_text_color=&#8221;rgba(0,0,0,0)&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]35% feel worse about their financial position today vs. the beginning of 2022\u200b.[\/et_pb_counter][et_pb_counter percent=&#8221;79&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]79% of Canadians with a worsened financial situation say spending more on essentials is the top contributor.[\/et_pb_counter][et_pb_counter percent=&#8221;29&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; 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top_divider_style=&#8221;wave2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; top_divider_arrangement=&#8221;above_content&#8221; top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;top&#8221; da_disable_devices=&#8221;off|off|off&#8221; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; make_equal=&#8221;on&#8221; module_id=&#8221;history&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Calculating-a-pile-debt_2colm.jpg&#8221; alt=&#8221;Credit Counselling Couple&#8221; title_text=&#8221;Calculating-a-pile-debt&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; transform_scale_last_edited=&#8221;off|phone&#8221; transform_translate_last_edited=&#8221;off|phone&#8221; transform_rotate_last_edited=&#8221;off|phone&#8221; transform_skew_last_edited=&#8221;off|phone&#8221; transform_origin=&#8221;50%|68%&#8221; transform_origin_last_edited=&#8221;off|phone&#8221; transform_styles_last_edited=&#8221;off|phone&#8221; max_height=&#8221;350px&#8221; max_height_tablet=&#8221;&#8221; max_height_phone=&#8221;&#8221; max_height_last_edited=&#8221;on|phone&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;off|150px|20px|150px|20px&#8221; border_radii_last_edited=&#8221;on|phone&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.3&#8243; header_2_font_size=&#8221;32px&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.5)&#8221; header_3_font_size=&#8221;26px&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221; header_2_font_size__hover_enabled=&#8221;off|desktop&#8221;]<\/p>\n<h2 style=\"text-align: left;\">Debt and Savings<\/h2>\n<p>Canadians have been increasingly likely to have turned to sources of financial support over the last year, compared with the first two years of the pandemic\u200b. Changes in the availability of government benefits (e.g. CERB) has meant that <strong>more Canadians are turning to other sources of support, notably personal savings, credit cards, and banks<\/strong>.\u200b<\/p>\n<p><strong>Almost half of Canadians have seen an increase in total debt over the last year<\/strong>, and while the majority of those carrying debt have taken proactive measures to manage this, there are still many who are turning to more loans and as a result, risk falling further into debt.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;56px||||false|false&#8221; custom_padding_tablet=&#8221;||60px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_counters _builder_version=&#8221;4.21.0&#8243; title_text_color=&#8221;#000000&#8243; title_font_size=&#8221;18px&#8221; percent_text_color=&#8221;rgba(0,0,0,0)&#8221; percent_font_size=&#8221;10px&#8221; custom_margin=&#8221;-30px||3px||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; animation_direction=&#8221;left&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_counter percent=&#8221;62&#8243; bar_background_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.19.3&#8243; percent_text_color=&#8221;rgba(0,0,0,0)&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]62% are carrying non-mortgage debt.[\/et_pb_counter][et_pb_counter percent=&#8221;67&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]67% are not paying much more than the minimum payments\u200b on their non-mortgage debt.[\/et_pb_counter][et_pb_counter percent=&#8221;77&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]77% with non-mortgage debt have sought financial help in the past year\u200b.[\/et_pb_counter][et_pb_counter percent=&#8221;43&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]43% of Canadians have experienced an increase in debt in the past year.[\/et_pb_counter][\/et_pb_counters][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;White Spacer Section&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; width_last_edited=&#8221;off|desktop&#8221; min_height_last_edited=&#8221;off|phone&#8221; height_tablet=&#8221;&#8221; height_phone=&#8221;20px&#8221; height_last_edited=&#8221;on|phone&#8221; custom_margin_tablet=&#8221;0px||0px||true|false&#8221; custom_margin_phone=&#8221;0px||0px||true|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; custom_padding_tablet=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;0px||0px||true|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; saved_tabs=&#8221;all&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Insolvency&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.15)&#8221; custom_padding=&#8221;160px||150px||false|false&#8221; custom_padding_tablet=&#8221;100px||50px||false|false&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; top_divider_arrangement=&#8221;above_content&#8221; top_divider_height_tablet=&#8221;60px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;60px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;2_5,3_5&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_5&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.3&#8243; header_2_font=&#8221;||||||||&#8221; header_2_text_align=&#8221;left&#8221; header_2_font_size=&#8221;32px&#8221; header_2_line_height=&#8221;1.3em&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: left;\">Perceptions of Financial Assistance<\/h2>\n<p>Canadians continue to have predominantly negative associations with reaching out for financial help themselves. Canadians with the highest debt loads feel the worst about reaching out for financial help.\u200b<\/p>\n<p>Taking on a second job is either a significant possibility or already a reality for two-out-of-five Canadians. A third of Canadians are also likely to consider late bill payments or selling personal items a significant possibility.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;3_5&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/financial-wellness_2colm.jpg&#8221; alt=&#8221;Credit Counselling Couple&#8221; title_text=&#8221;financial-wellness&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; module_alignment=&#8221;center&#8221; max_height=&#8221;350px&#8221; max_height_tablet=&#8221;&#8221; max_height_phone=&#8221;&#8221; max_height_last_edited=&#8221;on|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;off|150px|20px|150px|20px&#8221; border_radii_last_edited=&#8221;on|phone&#8221; box_shadow_style=&#8221;preset1&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;off|hover&#8221; transform_scale__hover_enabled=&#8221;off|hover&#8221; transform_translate__hover_enabled=&#8221;off|hover&#8221; transform_rotate__hover_enabled=&#8221;off|hover&#8221; transform_skew__hover_enabled=&#8221;off|hover&#8221; transform_origin__hover_enabled=&#8221;off|hover&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;47px||62px||false|false&#8221; custom_padding_tablet=&#8221;21px||113px||false|false&#8221; custom_padding_phone=&#8221;1px||64px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_counters _builder_version=&#8221;4.19.3&#8243; title_text_color=&#8221;#000000&#8243; title_font_size=&#8221;18px&#8221; percent_text_color=&#8221;rgba(0,0,0,0)&#8221; percent_font_size=&#8221;10px&#8221; custom_margin=&#8221;-30px||3px||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; animation_direction=&#8221;left&#8221; border_radii=&#8221;on|15px|15px|15px|15px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_counter percent=&#8221;38&#8243; bar_background_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.19.3&#8243; percent_text_color=&#8221;rgba(0,0,0,0)&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]38% of Canadians feel embarrassed about reaching out for financial help.[\/et_pb_counter][et_pb_counter percent=&#8221;23&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]23% think reaching out for financial help is responsible.[\/et_pb_counter][et_pb_counter percent=&#8221;57&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]57% who&#8217;ve experience an increase in debt either think they may have to get a second job or already have.[\/et_pb_counter][et_pb_counter percent=&#8221;81&#8243; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; background_enable_video_mp4=&#8221;on&#8221; background_enable_video_webm=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; bar_background_color_default=&#8221;#5b25af&#8221; use_percentages=&#8221;on&#8221;]81% of Canadians have cut back on expenses.[\/et_pb_counter][\/et_pb_counters][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;White Spacer Section&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; width_last_edited=&#8221;off|desktop&#8221; min_height_last_edited=&#8221;off|phone&#8221; height_tablet=&#8221;&#8221; height_phone=&#8221;20px&#8221; height_last_edited=&#8221;on|phone&#8221; custom_margin_tablet=&#8221;0px||0px||true|false&#8221; custom_margin_phone=&#8221;0px||0px||true|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; custom_padding_tablet=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;0px||0px||true|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; saved_tabs=&#8221;all&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221; 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bottom_divider_height_phone=&#8221;200px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.19.3&#8243; max_width=&#8221;75%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.3&#8243; custom_padding_tablet=&#8221;90px||0px||false|false&#8221; custom_padding_phone=&#8221;80px||||false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2023\/01\/2023-consumer-debt-report-cover-3.jpg&#8221; alt=&#8221;The Credit Counselling Society&#8217;s 2023 Consumer Debt Report.&#8221; title_text=&#8221;View 2023 Consumer Debt Report&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2023\/02\/credit-counseling-society-2023-credit-survey-report-final.pdf&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;7 Steps Workbook&#8221; _builder_version=&#8221;4.19.5&#8243; transform_scale_last_edited=&#8221;off|desktop&#8221; transform_translate_last_edited=&#8221;off|desktop&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_last_edited=&#8221;off|desktop&#8221; transform_skew_last_edited=&#8221;off|desktop&#8221; transform_origin_last_edited=&#8221;off|desktop&#8221; transform_styles_last_edited=&#8221;off|desktop&#8221; max_width=&#8221;80%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;right&#8221; custom_margin_tablet=&#8221;|75px||75px|false|true&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;roll&#8221; animation_direction=&#8221;left&#8221; animation_intensity_roll=&#8221;10%&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.3&#8243; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.19.3&#8243; width=&#8221;100%&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;85%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;-30px||||false|false&#8221; custom_margin_phone=&#8221;-40px||||false|false&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: left;\">Find Your Path Forward<\/h2>\n<p>As you review these findings, remember that it&#8217;s never too early to start dealing with your debts. No matter your level of debt, there are resources and experts available at the Credit Counselling Society who can help you chart a path forward.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2023\/02\/credit-counseling-society-2023-credit-survey-report-final.pdf&#8221; button_text=&#8221;Read the Report&#8221; button_alignment=&#8221;center&#8221; button_alignment_tablet=&#8221;&#8221; button_alignment_phone=&#8221;left&#8221; button_alignment_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.19.5&#8243; custom_button=&#8221;on&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; custom_margin=&#8221;|||0px|false|false&#8221; custom_margin_tablet=&#8221;|||0px|false|false&#8221; custom_margin_phone=&#8221;|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Related Topics&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;1px||||false|false&#8221; custom_padding=&#8221;240px|0px|100px|0px|false|false&#8221; custom_padding_tablet=&#8221;200px||0px||false|false&#8221; custom_padding_phone=&#8221;150px||0px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#ffffff&#8221; top_divider_height=&#8221;200px&#8221; top_divider_arrangement=&#8221;above_content&#8221; top_divider_height_tablet=&#8221;150px&#8221; top_divider_height_phone=&#8221;120px&#8221; top_divider_height_last_edited=&#8221;on|tablet&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;27px|0px|27px|0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; header_font=&#8221;Work Sans|600|||||||&#8221; header_2_font=&#8221;||||||||&#8221; header_2_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Work Sans||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||2px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; header_font_size__hover=&#8221;30px&#8221; header_font_size__hover_enabled=&#8221;30px&#8221; header_letter_spacing__hover=&#8221;0px&#8221; header_letter_spacing__hover_enabled=&#8221;0px&#8221; header_text_shadow_style__hover=&#8221;none&#8221; header_text_shadow_style__hover_enabled=&#8221;none&#8221; header_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Articles<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;70%&#8221; max_width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/credit-counselling&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg&#8221; alt=&#8221;signing agreement with advisor&#8221; title_text=&#8221;credit-counselling&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Credit Counselling<\/h3>\n<p>Are you curious about what credit counselling is or how it works? Here&#8217;s what you need to know.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/about-us\/how-we-help-debt-relief-financial-education&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/contacting-credit-counselling-society-for-advice_related_topics.jpg&#8221; alt=&#8221;How We Help&#8221; title_text=&#8221;how-we-help&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>How We Help<\/h3>\n<p>Step by step, this is what happens when you contact us for help with your debts.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/about-us\/credit-counselling-society\/testimonials&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/client-reviews_related_topic.jpg&#8221; alt=&#8221;client reviews&#8221; title_text=&#8221;client-reviews&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Client Reviews<\/h3>\n<p>Directly from our clients, read and hear about their experiences with CCS.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards&#8221; 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{<!-- [et_pb_line_break_holder] -->    --swiper-theme-color: #5b25af<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-container\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-wrapper\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/credit-counselling\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/06\/credit-counselling_related_topic_card.jpg\" ;=\"\"><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-slide\"><a href=\"\/about-us\/how-we-help-debt-relief-financial-education\"><img decoding=\"async\" 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--><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper JS --><!-- [et_pb_line_break_holder] -->  <script src=\"https:\/\/unpkg.com\/swiper\/js\/swiper.min.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Initialize Swiper --><!-- [et_pb_line_break_holder] -->  <script><!-- [et_pb_line_break_holder] -->    var swiper = new Swiper('.swiper-container', {<!-- [et_pb_line_break_holder] -->      pagination: {<!-- [et_pb_line_break_holder] -->        el: '.swiper-pagination',<!-- [et_pb_line_break_holder] -->      },<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->  <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2023 Survey ResultsSee our findings on the financial health of Canadians.Consumer Debt Report 2023After helping a lot of Canadians weather the financial storm last year which intensified through soaring inflation combined with seven consecutive interest rate hikes, we&#8217;ve completed our annual survey of over 1,500 Canadians to gain a deeper understanding of what Canadians are [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[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)\" 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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=\"{}\"]\n\n2022 Survey Results\n\n[\/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=\"{}\"]\n\nSee our findings on the financial health of Canadians.\n\n[\/et_pb_text][et_pb_button button_url=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/01\/credit-counseling-society-2022-consumer-debt-report.pdf\" button_text=\"Read the Report\" button_alignment=\"center\" button_alignment_tablet=\"\" button_alignment_phone=\"\" button_alignment_last_edited=\"on|desktop\" _builder_version=\"4.16\" custom_button=\"on\" button_icon=\"5||divi||400\" custom_margin=\"|||0px|false|false\" custom_margin_tablet=\"|||0px|false|false\" custom_margin_phone=\"|||0px|false|false\" custom_margin_last_edited=\"on|tablet\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" admin_label=\"Intro Paragraph\" _builder_version=\"4.16\" background_color=\"rgba(91,37,175,0.15)\" custom_padding=\"0px||150px|||\" custom_padding_tablet=\"||140px||false|false\" custom_padding_phone=\"||75px||false|false\" top_divider_style_last_edited=\"off|desktop\" bottom_divider_style=\"ramp2\" bottom_divider_color=\"#ffffff\" bottom_divider_repeat=\"1x\" bottom_divider_flip=\"horizontal|vertical\" bottom_divider_style_tablet=\"\" bottom_divider_style_phone=\"\" bottom_divider_style_last_edited=\"on|desktop\" bottom_divider_height_tablet=\"70px\" bottom_divider_height_phone=\"100px\" bottom_divider_height_last_edited=\"on|phone\" bottom_divider_flip_tablet=\"\" bottom_divider_flip_phone=\"horizontal\" bottom_divider_flip_last_edited=\"on|phone\" da_disable_devices=\"off|off|off\" collapsed=\"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\" width_tablet=\"80%\" width_phone=\"80%\" width_last_edited=\"on|desktop\" custom_padding=\"0px|||||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_dmb_breadcrumbs font_icon=\"%%20%%\" use_home_icon=\"off\" use_home_text=\"on\" _builder_version=\"4.17.4\" body_text_color=\"rgba(102,102,102,0.8)\" link_text_color=\"rgba(42,209,61,0.8)\" custom_padding_tablet=\"\" custom_padding_phone=\"20px||||false|false\" custom_padding_last_edited=\"on|phone\" animation_direction=\"left\" global_module=\"6437\" saved_tabs=\"all\" global_colors_info=\"{}\" link_text_color__hover_enabled=\"on|hover\" link_text_color__hover=\"rgba(90,39,178,0.4)\"][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=\"4.16\" custom_margin=\"||0px|||\" custom_padding=\"||2px|||\" animation_direction=\"bottom\" global_colors_info=\"{}\"]\n<h1>Consumer Debt Report 2022<\/h1>\n[\/et_pb_text][et_pb_text _builder_version=\"4.16\" global_colors_info=\"{}\"]\n\nAfter helping thousands of Canadians weather the financial storm brought on by the pandemic this year, we've heard time and again that this year has been a wake up call for many. With this in mind, we wanted to get a deeper understanding of how people are doing when it comes to managing their finances. This survey of over 1,000 Canadians provides important insights into the debt, perceptions, feelings, financial management skills, and future outlook for people across the country.\n\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"0px|||||\" custom_padding_tablet=\"\" custom_padding_phone=\"27px||||false|false\" 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=\"{}\"]\n<h2>Key Findings&nbsp;<\/h2>\n<ul>\n \t<li>More Canadians feel pessimistic about their personal finances heading into 2022.<\/li>\n \t<li>Most Canadians are carrying non-mortgage debt, with many feeling anxious and worried as a result.<\/li>\n \t<li>While most debt-holders are managing their debt, one-in-ten are unable to manage their debt and are falling behind on payments<\/li>\n \t<li>Indebted Canadians are just as likely to lean on credit cards as they are their personal savings for financial support.<\/li>\n<\/ul>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" next_background_color=\"#ffffff\" admin_label=\"Credit Counselling\" _builder_version=\"4.16\" background_color=\"rgba(42,209,61,0.15)\" custom_padding=\"120px||140px||false|false\" custom_padding_tablet=\"||45px||false|false\" custom_padding_phone=\"120px||65px||false|false\" top_divider_style=\"ramp2\" top_divider_color=\"#ffffff\" top_divider_flip=\"horizontal|vertical\" top_divider_arrangement=\"above_content\" bottom_divider_style=\"wave2\" bottom_divider_height_tablet=\"60px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" da_disable_devices=\"off|off|off\" collapsed=\"on\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row column_structure=\"2_5,3_5\" make_equal=\"on\" module_id=\"mission\" module_class=\"custom_row\" _builder_version=\"4.16\" width_tablet=\"80%\" width_phone=\"80%\" width_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_column type=\"2_5\" module_class=\"vertical-align second-on-mobile\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.16\" header_2_font=\"||||||||\" header_2_text_align=\"left\" header_2_font_size=\"32px\" header_2_line_height=\"1.3em\" module_alignment=\"center\" animation_direction=\"top\" global_colors_info=\"{}\"]\n<h2 style=\"text-align: left;\">State of Personal Finances<\/h2>\n<b>Canadians are split in terms of their financial health, <\/b>with large portions of the population feeling anxious about their personal finances and others feeling confident. COVID-19 has perpetuated this divide with<b> equal portions of the country saying their finances have improved or worsened during the pandemic.<\/b>\n\n<b>Spending less on non-essentials <\/b>is one of the key ways for Canadians to regain control of their finances and a sense of optimism moving forward.\n\n[\/et_pb_text][\/et_pb_column][et_pb_column type=\"3_5\" module_class=\"first-on-mobile\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/our-organization_2colm.jpg\" alt=\"Credit Counselling Couple\" title_text=\"planning-savings\" align=\"center\" _builder_version=\"4.16\" module_alignment=\"center\" max_height=\"350px\" max_height_tablet=\"\" max_height_phone=\"\" max_height_last_edited=\"on|desktop\" animation_style=\"slide\" animation_direction=\"right\" animation_intensity_slide=\"2%\" border_radii=\"off|200px|20px|200px|20px\" border_radii_tablet=\"\" border_radii_phone=\"off|150px|20px|150px|20px\" border_radii_last_edited=\"on|desktop\" box_shadow_style=\"preset1\" global_colors_info=\"{}\" transform_styles__hover_enabled=\"off|hover\" transform_scale__hover_enabled=\"off|hover\" transform_translate__hover_enabled=\"off|hover\" transform_rotate__hover_enabled=\"off|hover\" transform_skew__hover_enabled=\"off|hover\" transform_origin__hover_enabled=\"off|hover\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|phone\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"28px||69px||false|false\" custom_padding_tablet=\"||116px||false|false\" custom_padding_phone=\"\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_counters _builder_version=\"4.16\" title_text_color=\"#000000\" title_font_size=\"18px\" percent_text_color=\"rgba(0,0,0,0)\" percent_font_size=\"10px\" custom_margin=\"-30px||3px||false|false\" custom_padding=\"0px||||false|false\" animation_direction=\"left\" border_radii=\"on|15px|15px|15px|15px\" box_shadow_style=\"preset2\" global_colors_info=\"{}\"][et_pb_counter percent=\"27\" bar_background_color=\"#5b25af\" _builder_version=\"4.16\" percent_text_color=\"rgba(0,0,0,0)\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]27% feel anxious about their current financial situation.[\/et_pb_counter][et_pb_counter percent=\"31\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]31% feel worse about their financial position today vs. the beginning of the pandemic.[\/et_pb_counter][et_pb_counter percent=\"76\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]76% of Canadians with a worsened financial situation say spending more on essentials is the top contributor.[\/et_pb_counter][et_pb_counter percent=\"28\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]28% feel pessimistic about their personal finances heading into 2022.[\/et_pb_counter][\/et_pb_counters][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" admin_label=\"White Spacer Section\" _builder_version=\"4.16\" background_color=\"#ffffff\" width_last_edited=\"off|desktop\" min_height_last_edited=\"off|phone\" height_tablet=\"\" height_phone=\"20px\" height_last_edited=\"on|phone\" custom_margin_tablet=\"0px||0px||true|false\" custom_margin_phone=\"0px||0px||true|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"50px||50px||true|false\" custom_padding_tablet=\"0px||0px||true|false\" custom_padding_phone=\"0px||0px||true|false\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" collapsed=\"on\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" next_background_color=\"#ffffff\" admin_label=\"Debt Consolidation\" _builder_version=\"4.16\" background_color=\"rgba(91,37,175,0.15)\" min_height=\"380px\" custom_margin=\"0px||0px||false|false\" custom_padding=\"120px||150px||false|false\" custom_padding_tablet=\"||80px||false|false\" custom_padding_phone=\"||90px||false|false\" top_divider_style=\"wave2\" top_divider_color=\"#ffffff\" top_divider_flip=\"horizontal|vertical\" top_divider_arrangement=\"above_content\" top_divider_height_tablet=\"70px\" top_divider_height_phone=\"\" top_divider_height_last_edited=\"on|phone\" bottom_divider_style=\"wave2\" bottom_divider_height_tablet=\"70px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" animation_direction=\"top\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" collapsed=\"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=\"3_5,2_5\" make_equal=\"on\" module_id=\"history\" _builder_version=\"4.16\" width_tablet=\"80%\" width_phone=\"80%\" width_last_edited=\"on|phone\" custom_padding=\"30px||||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"3_5\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Calculating-a-pile-debt_2colm.jpg\" alt=\"Credit Counselling Couple\" title_text=\"Calculating-a-pile-debt\" align=\"center\" _builder_version=\"4.16\" 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=\"50%|68%\" transform_origin_last_edited=\"off|phone\" transform_styles_last_edited=\"off|phone\" max_height=\"350px\" max_height_tablet=\"\" max_height_phone=\"\" max_height_last_edited=\"on|phone\" animation_style=\"slide\" animation_direction=\"left\" animation_intensity_slide=\"2%\" border_radii=\"off|200px|20px|200px|20px\" border_radii_tablet=\"\" border_radii_phone=\"off|150px|20px|150px|20px\" border_radii_last_edited=\"on|phone\" box_shadow_style=\"preset1\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"2_5\" module_class=\"vertical-align\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.16\" header_2_font_size=\"32px\" header_3_text_color=\"rgba(0,0,0,0.5)\" header_3_font_size=\"26px\" custom_padding=\"||||false|false\" animation_direction=\"top\" global_colors_info=\"{}\" header_2_font_size__hover_enabled=\"off|desktop\"]\n<h2 style=\"text-align: left;\">Debt and Savings<\/h2>\n<b>Most Canadians are carrying non-mortgage debt, <\/b>with many feeling anxious and worried as a result. While most debt-holders are managing their debt, one-in-ten are <b>unable to manage their debt <\/b>and are falling behind on payments.\n\nIn terms of supports, indebted Canadians are <b>just as likely to lean on credit as they are their nest egg <\/b>for support, with credit cards and personal savings being the most common supports leveraged.\n\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|desktop\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"56px||||false|false\" custom_padding_tablet=\"||60px||false|false\" custom_padding_phone=\"\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_counters _builder_version=\"4.16\" title_text_color=\"#000000\" title_font_size=\"18px\" percent_text_color=\"rgba(0,0,0,0)\" percent_font_size=\"10px\" custom_margin=\"-30px||3px||false|false\" custom_padding=\"0px||||false|false\" animation_direction=\"left\" border_radii=\"on|15px|15px|15px|15px\" box_shadow_style=\"preset2\" global_colors_info=\"{}\"][et_pb_counter percent=\"65\" bar_background_color=\"#5b25af\" _builder_version=\"4.16\" percent_text_color=\"rgba(0,0,0,0)\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]65% are carrying non-mortgage debt.[\/et_pb_counter][et_pb_counter percent=\"31\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]31% are having difficulty paying down their debt (making minimum payments or less).[\/et_pb_counter][et_pb_counter percent=\"34\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]34% of indebted Canadians used their credit cards for financial support.[\/et_pb_counter][et_pb_counter percent=\"63\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]63% of Canadians with debt say they are concerned or worried about theirlevel of debt.[\/et_pb_counter][\/et_pb_counters][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|tablet\" admin_label=\"White Spacer Section\" _builder_version=\"4.16\" background_color=\"#ffffff\" width_last_edited=\"off|desktop\" min_height_last_edited=\"off|phone\" height_tablet=\"\" height_phone=\"20px\" height_last_edited=\"on|phone\" custom_margin_tablet=\"0px||0px||true|false\" custom_margin_phone=\"0px||0px||true|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"50px||50px||true|false\" custom_padding_tablet=\"0px||0px||true|false\" custom_padding_phone=\"0px||0px||true|false\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" collapsed=\"on\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" next_background_color=\"#ffffff\" admin_label=\"Insolvency\" _builder_version=\"4.16\" background_color=\"rgba(42,209,61,0.15)\" custom_padding=\"160px||150px||false|false\" custom_padding_tablet=\"100px||50px||false|false\" custom_padding_phone=\"||80px||false|false\" top_divider_style=\"wave2\" top_divider_color=\"#ffffff\" top_divider_flip=\"horizontal|vertical\" top_divider_arrangement=\"above_content\" top_divider_height_tablet=\"60px\" top_divider_height_phone=\"\" top_divider_height_last_edited=\"on|phone\" bottom_divider_style=\"wave2\" bottom_divider_flip=\"horizontal\" bottom_divider_height_tablet=\"60px\" bottom_divider_height_phone=\"50px\" bottom_divider_height_last_edited=\"on|phone\" da_disable_devices=\"off|off|off\" collapsed=\"on\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row column_structure=\"2_5,3_5\" make_equal=\"on\" module_class=\"custom_row\" _builder_version=\"4.16\" width_tablet=\"80%\" width_phone=\"80%\" width_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_column type=\"2_5\" module_class=\"vertical-align second-on-mobile\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.16\" header_2_font=\"||||||||\" header_2_text_align=\"left\" header_2_font_size=\"32px\" header_2_line_height=\"1.3em\" module_alignment=\"center\" animation_direction=\"top\" global_colors_info=\"{}\"]\n<h2 style=\"text-align: left;\">Personal Finances During COVID-19<\/h2>\nCanadians show <b>high levels of concern and understanding when friends or family are struggling <\/b>with their finances, but tend to be <b>more worried about what others <\/b><b>will<\/b><b> think <\/b>if they needed to reach out.\n\nMany Canadians feel there is a stigma around reaching out for financial assistance, being <b>more likely to feel embarrassed or out of options <\/b>than responsible or proactive.\n\n[\/et_pb_text][\/et_pb_column][et_pb_column type=\"3_5\" module_class=\"first-on-mobile\" _builder_version=\"4.16\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/11\/financial-wellness_2colm.jpg\" alt=\"Credit Counselling Couple\" title_text=\"financial-wellness\" align=\"center\" _builder_version=\"4.16\" module_alignment=\"center\" max_height=\"350px\" max_height_tablet=\"\" max_height_phone=\"\" max_height_last_edited=\"on|desktop\" animation_style=\"slide\" animation_direction=\"right\" animation_intensity_slide=\"2%\" border_radii=\"off|200px|20px|200px|20px\" border_radii_tablet=\"\" border_radii_phone=\"off|150px|20px|150px|20px\" border_radii_last_edited=\"on|phone\" box_shadow_style=\"preset1\" global_colors_info=\"{}\" transform_styles__hover_enabled=\"off|hover\" transform_scale__hover_enabled=\"off|hover\" transform_translate__hover_enabled=\"off|hover\" transform_rotate__hover_enabled=\"off|hover\" transform_skew__hover_enabled=\"off|hover\" transform_origin__hover_enabled=\"off|hover\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"47px||62px||false|false\" custom_padding_tablet=\"21px||113px||false|false\" custom_padding_phone=\"1px||64px||false|false\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_counters _builder_version=\"4.16\" title_text_color=\"#000000\" title_font_size=\"18px\" percent_text_color=\"rgba(0,0,0,0)\" percent_font_size=\"10px\" custom_margin=\"-30px||3px||false|false\" custom_padding=\"0px||||false|false\" animation_direction=\"left\" border_radii=\"on|15px|15px|15px|15px\" box_shadow_style=\"preset2\" global_colors_info=\"{}\"][et_pb_counter percent=\"44\" bar_background_color=\"#5b25af\" _builder_version=\"4.16\" percent_text_color=\"rgba(0,0,0,0)\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]44% of Canadians feel embarrassed about reaching out for financial help.[\/et_pb_counter][et_pb_counter percent=\"21\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]21% think reaching out for financial help is responsible.[\/et_pb_counter][et_pb_counter percent=\"61\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]61% of Canadians would be glad to help a friend or family member with their finances.[\/et_pb_counter][et_pb_counter percent=\"45\" _builder_version=\"4.16\" _module_preset=\"default\" background_enable_video_mp4=\"on\" background_enable_video_webm=\"on\" global_colors_info=\"{}\" bar_background_color_default=\"#5b25af\" use_percentages=\"on\"]45% would be worried when asking for financial help, that a friend or family member would lose respect for them.[\/et_pb_counter][\/et_pb_counters][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|tablet\" admin_label=\"White Spacer Section\" _builder_version=\"4.16\" background_color=\"#ffffff\" width_last_edited=\"off|desktop\" min_height_last_edited=\"off|phone\" height_tablet=\"\" height_phone=\"20px\" height_last_edited=\"on|phone\" custom_margin_tablet=\"0px||0px||true|false\" custom_margin_phone=\"0px||0px||true|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"50px||50px||true|false\" custom_padding_tablet=\"0px||0px||true|false\" custom_padding_phone=\"0px||0px||true|false\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" collapsed=\"on\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|tablet\" _builder_version=\"4.16\" background_color=\"#e4f8e0\" custom_padding=\"165px||230px|||\" custom_padding_tablet=\"70px||235px||false|false\" custom_padding_phone=\"||173px||false|false\" top_divider_style=\"wave2\" top_divider_color=\"#ffffff\" top_divider_height_tablet=\"70px\" top_divider_height_phone=\"\" top_divider_height_last_edited=\"on|phone\" bottom_divider_style=\"ramp2\" bottom_divider_color=\"#ffffff\" bottom_divider_height=\"500px\" bottom_divider_height_tablet=\"300px\" bottom_divider_height_phone=\"200px\" 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 column_structure=\"1_2,1_2\" _builder_version=\"4.16\" max_width=\"75%\" global_colors_info=\"{}\"][et_pb_column type=\"1_2\" _builder_version=\"4.16\" custom_padding_tablet=\"90px||0px||false|false\" custom_padding_phone=\"80px||||false|false\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/01\/consumer-debt-report-2022.jpg\" alt=\"Credit Counselling Society 2019 annual report.\" title_text=\"consumer-debt-report-2022\" url=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/01\/credit-counseling-society-2022-consumer-debt-report.pdf\" url_new_window=\"on\" align=\"center\" align_tablet=\"center\" align_phone=\"\" align_last_edited=\"on|tablet\" admin_label=\"7 Steps Workbook\" _builder_version=\"4.16\" transform_scale_tablet=\"\" transform_scale_phone=\"\" transform_scale_last_edited=\"on|desktop\" transform_translate=\"0px|-60px\" transform_translate_tablet=\"\" 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\" max_width=\"80%\" max_width_tablet=\"\" max_width_phone=\"100%\" max_width_last_edited=\"on|desktop\" module_alignment=\"right\" custom_margin_tablet=\"|75px||75px|false|true\" custom_margin_phone=\"\" custom_margin_last_edited=\"on|tablet\" custom_padding_tablet=\"|0px||0px|false|true\" custom_padding_phone=\"\" custom_padding_last_edited=\"on|tablet\" animation_style=\"roll\" animation_direction=\"left\" animation_intensity_roll=\"10%\" transform_styles_tablet=\"\" transform_styles_phone=\"\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_2\" _builder_version=\"4.16\" custom_padding=\"100px||||false|false\" custom_padding_tablet=\"0px||||false|false\" custom_padding_phone=\"\" custom_padding_last_edited=\"on|phone\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.16\" width=\"100%\" max_width=\"60%\" max_width_tablet=\"85%\" max_width_phone=\"100%\" max_width_last_edited=\"on|phone\" module_alignment=\"center\" custom_margin=\"117px||||false|false\" custom_margin_tablet=\"-30px||||false|false\" custom_margin_phone=\"-40px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding_tablet=\"0px||||false|false\" custom_padding_phone=\"\" custom_padding_last_edited=\"on|tablet\" animation_direction=\"top\" global_colors_info=\"{}\"]\n<h2 style=\"text-align: left;\">Find Your Path Forward<\/h2>\nAs you review these findings, remember that it's never too early to start dealing with your debts. No matter your level of debt, there are resources and experts available at the Credit Counselling Society who can help you chart a path forward.\n\n[\/et_pb_text][et_pb_button button_url=\"\/wp-content\/uploads\/2022\/01\/credit-counseling-society-2022-consumer-debt-report.pdf\" button_text=\"Read the Report\" button_alignment=\"center\" button_alignment_tablet=\"\" button_alignment_phone=\"left\" button_alignment_last_edited=\"on|desktop\" _builder_version=\"4.16\" custom_button=\"on\" button_icon=\"5||divi||400\" custom_margin=\"|||0px|false|false\" custom_margin_tablet=\"|||0px|false|false\" custom_margin_phone=\"|||0px|false|false\" custom_margin_last_edited=\"on|tablet\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" admin_label=\"Related Topics\" _builder_version=\"4.16\" background_color=\"rgba(91,37,175,0.15)\" z_index=\"0\" custom_margin=\"1px||||false|false\" custom_padding=\"240px|0px|100px|0px|false|false\" custom_padding_tablet=\"200px||0px||false|false\" custom_padding_phone=\"150px||0px||false|false\" top_divider_style=\"ramp2\" top_divider_color=\"#ffffff\" top_divider_height=\"200px\" top_divider_arrangement=\"above_content\" top_divider_height_tablet=\"150px\" top_divider_height_phone=\"120px\" top_divider_height_last_edited=\"on|tablet\" da_disable_devices=\"off|off|off\" collapsed=\"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\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" custom_padding=\"27px|0px|27px|0px\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\"][et_pb_text _builder_version=\"4.16\" text_font=\"||||||||\" header_font=\"Work Sans|600|||||||\" header_2_font=\"||||||||\" header_2_line_height=\"1.3em\" header_4_font=\"Work Sans||||||||\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" text_orientation=\"center\" custom_margin=\"||2px|||\" locked=\"off\" global_colors_info=\"{}\" header_font_size__hover=\"30px\" header_font_size__hover_enabled=\"30px\" header_letter_spacing__hover=\"0px\" header_letter_spacing__hover_enabled=\"0px\" header_text_shadow_style__hover=\"none\" header_text_shadow_style__hover_enabled=\"none\" header_text_shadow_color__hover=\"rgba(0,0,0,0.4)\" header_text_shadow_color__hover_enabled=\"rgba(0,0,0,0.4)\"]\n<h2>Related Articles<\/h2>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_3,1_3,1_3\" make_equal=\"on\" disabled_on=\"on|on|off\" admin_label=\"Related Article Cards | Desktop\" _builder_version=\"4.16\" width=\"70%\" max_width=\"100%\" global_colors_info=\"{}\"][et_pb_column type=\"1_3\" _builder_version=\"4.16\" background_color=\"#ffffff\" transform_translate_linked__hover=\"off\" link_option_url=\"\/debt-help\/credit-counselling\" 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=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg\" title_text=\"credit-counselling\" _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\" 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\"]\n<h3>Credit Counselling<\/h3>\nAre you curious about what credit counselling is or how it works? Here's what you need to know.\n\n[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.16\" background_color=\"#ffffff\" transform_translate_linked__hover=\"off\" link_option_url=\"\/about-us\/how-we-help-debt-relief-financial-education\" 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=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/contacting-credit-counselling-society-for-advice_related_topics.jpg\" title_text=\"how-we-help\" _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\" 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\"]\n<h3>How We Help<\/h3>\nStep by step, this is what happens when you contact us for help with your debts.\n\n[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.16\" background_color=\"#ffffff\" transform_translate_linked__hover=\"off\" link_option_url=\"\/about-us\/credit-counselling-society\/testimonials\" 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=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/client-reviews_related_topic.jpg\" title_text=\"client-reviews\" _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\" 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\"]\n<h3>Client Reviews<\/h3>\nDirectly from our clients, read and hear about their experiences with CCS.\n\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=\"off|off|on\" admin_label=\"Related Article Swipe Cards | Mobile\" _builder_version=\"4.16\" custom_padding=\"3px|||||\" 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[et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  :root {<!-- [et_pb_line_break_holder] -->    --swiper-theme-color: #5b25af<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  <\/style><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper --><!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-container\"><!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-wrapper\"><!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/credit-counselling\"><img src=\"\/wp-content\/uploads\/2020\/10\/credit-counselling_related_topic_card.jpg\" ;=\"\"><\/a><\/div>\n<!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-slide\"><a href=\"\/about-us\/how-we-help-debt-relief-financial-education\"><img src=\"\/wp-content\/uploads\/2020\/10\/how-we-help_related_topic_card.jpg\" ;=\"\"><\/a><\/div>\n<!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-slide\"><a href=\"\/about-us\/credit-counselling-society\/testimonials\"><img src=\"\/wp-content\/uploads\/2020\/10\/client-reviews_related_topic_card.jpg\" ;=\"\"><\/a><\/div>\n<!-- [et_pb_line_break_holder] -->\n\n<\/div>\n<!-- [et_pb_line_break_holder] --><!-- Spacer --><!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-spacer\"><\/div>\n<!-- [et_pb_line_break_holder] -->    <!-- Add Pagination --><!-- [et_pb_line_break_holder] -->\n<div class=\"swiper-pagination\"><\/div>\n<!-- [et_pb_line_break_holder] -->\n\n<\/div>\n<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper JS --><!-- [et_pb_line_break_holder] -->  <script src=\"https:\/\/unpkg.com\/swiper\/js\/swiper.min.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Initialize Swiper --><!-- [et_pb_line_break_holder] -->  <script><!-- [et_pb_line_break_holder] -->    var swiper = new Swiper('.swiper-container', {<!-- [et_pb_line_break_holder] -->      pagination: {<!-- [et_pb_line_break_holder] -->        el: '.swiper-pagination',<!-- [et_pb_line_break_holder] -->      },<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->  <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]","_et_gb_content_width":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-50336","page","type-page","status-publish","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>Consumer Debt Report 2023 - Credit Counselling Society<\/title>\n<meta name=\"description\" content=\"Check out this consumer debt report 2023 and the key finding of this report. 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