[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=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/client-meeting-with-counsellor_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=”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=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.27.4″ 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” hover_enabled=”0″ text_text_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\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=”{}”]Learn how a debt repayment program can help you.[\/et_pb_text][et_pb_button button_url=”#debt-help-form” button_text=”Get Help Now” button_alignment=”center” disabled_on=”on|on|off” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][et_pb_button button_url=”tel:1-888-527-8999″ button_text=”1-888-527-8999″ button_alignment=”center” disabled_on=”off|off|on” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/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” module_id=”uperform-section” _builder_version=”4.21.0″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||150px|||” custom_padding_tablet=”||140px||false|false” custom_padding_phone=”||91px||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|phone” 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_popup_slug=”uperform-section” 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=”4.22.0″ width_tablet=”70%” 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” show_custom_taxonomy_crumbs=”off” _builder_version=”4.27.4″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_margin=”||50px|||” 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 admin_label=”H1 Heading” _builder_version=”4.17.4″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
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The journey to becoming debt-free can be hard, so why walk it alone? When you have multiple unsecured debts that you\u2019re struggling to make payments on, a Debt Management Program (DMP) will simplify and ease the process by having you make just one monthly payment for all those debts. An expert credit counsellor and their team will negotiate this arrangement on your behalf and make sure you can afford your payments based on a budget they\u2019ll help you create. When your creditors know you have the support of a non-profit credit counselling organization, they\u2019ll often greatly reduce the interest on your debt or even make it zero going forward.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Know your options (icon menu)” _builder_version=”4.16″ custom_margin=”||||false|false” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”5px||100px||false|false” custom_padding_tablet=”0px||50px||false|false” custom_padding_phone=”15px||5px||false|false” 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 admin_label=”Heading” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”off|desktop” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ header_2_text_align=”center” global_colors_info=”{}”]<\/p>\n
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If you need help with debt, the only way to know if a DMP is right for you is to speak with a non-profit credit counselling organization like us. Our credit counsellors will only sign you up for a DMP if they think it\u2019s the best option given your unique financial situation. That\u2019s why when you\u2019re on a DMP, you can rest easy knowing that you\u2019re on the right track.<\/p>\n
If a DMP makes sense for your situation and you decide to go ahead with one, we do everything we can to help you succeed and pay off the debt as fast as possible. This includes working to get your interest rates greatly reduced or waived completely, guiding you towards a budget that fits your needs, and offering any financial or debt counselling you may need along the way.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” custom_padding_tablet=”||5px||false|false” custom_padding_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 make_equal=”on” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” animation_direction=”top” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n
Like many other forms of debt consolidation, a DMP can only be used for unsecured debts, which are debts that you haven\u2019t put up collateral for. That’s because creditors have no reason to accept less for your debt than if you just sold the collateral to pay them back. If most of your debts are secured, then a DMP may not help you much. However, if most of your debts are unsecured, then a DMP might be the solution you need. <\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#5b25af” admin_label=”Section” _builder_version=”4.16″ custom_margin=”||0px||false|false” custom_padding=”0px||176px||false|false” bottom_divider_style=”wave2″ 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″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||2px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/debt-management-program-process_2colm.jpg” alt=”Starting Process to Debt Management Program” title_text=”debt-management-program-process” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ max_height=”615px” custom_padding_tablet=”||30px||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text ol_position=”outside” ol_item_indent=”18px” _builder_version=”4.16″ text_line_height=”1em” ol_line_height=”1.3em” custom_padding_tablet=”||18px||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” animation_direction=”top” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA – 4 Question Quiz” _builder_version=”4.8.2″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_padding=”20px||1px||false|false” custom_padding_tablet=”” custom_padding_phone=”10px||||false|false” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#5B25AF” 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_module=”31912″ 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 custom_padding_last_edited=”on|tablet” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”0px|auto||auto|false|false” custom_padding=”140px||140px||false|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”70px||||false|false” animation_style=”fade” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n
Want to know exactly where to start?<\/p>\n
[\/et_pb_text][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” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n
Just answer these 4 simple questions<\/p>\n
[\/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=”|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n
Simply respond to these 4 easy, multiple-choice questions to see how we can help you. It only takes a minute, and you might be surprised by what you learn.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”\/financial-tools-resources\/debt-quiz-assessment-tool-short” button_text=”Start the Quiz” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_icon=”5||divi||400″ 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|tablet” prev_background_color=”#5b25af” next_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ background_color=”#e7dff3″ custom_padding=”172px||175px||false|false” custom_padding_tablet=”124px||200px||false|false” custom_padding_phone=”||120px||false|false” top_divider_style=”wave2″ top_divider_height_tablet=”70px” top_divider_height_phone=”60px” 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” 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 make_equal=”on” custom_padding_last_edited=”on|phone” disabled_on=”off|off|on” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||0px||false|false” custom_padding_tablet=”20px||0px||false|false” custom_padding_phone=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/discussing-with-client-about-debt-management-prrogram_2colm.jpg” alt=”discussing with client” title_text=”discussing-with-client-about-debt-management-prrogram” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”575px” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n
To cover administration costs, non-profit credit counselling organizations charge a nominal fee for their repayment programs. Ours is a sliding fee scale (capped at $75 a month) and your counsellor will explain it to you in detail as you figure out your best option. Overall, a DMP will save you money because you pay much less interest and your payments are affordable to ensure your debt is paid off in a set time frame.<\/p>\n
A DMP doesn\u2019t change who your debts are with, but rather combines your monthly payments. It also reduces or eliminates the interest charged by your creditors going forward. If your DMP fails, your debt payments will return to how they were before the DMP started and in some cases penalties or interest from your creditors may apply. However, we don\u2019t let anyone start a DMP unless we\u2019re confident they\u2019ll succeed. If your situation unexpectedly changes, then we\u2019ll work to make a new plan and renegotiate with your creditors if needed. Whatever happens, we\u2019ll support you every step of the way.<\/span><\/p>\n A DMP affects your credit report until two years after its completion. While this may not sound like good news, it\u2019s far better than letting your debts keep your credit rating down indefinitely. The fastest path to reaching a stable financial future is to gain freedom from debt, and a DMP can be an excellent way to achieve this goal.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|off” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||19px|||” 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 To cover administration costs, non-profit credit counselling organizations charge a nominal fee for their repayment programs. Ours is a sliding fee scale (capped at $75 a month) and your counsellor will explain it to you in detail as you figure out your best option. Overall, a DMP will save you money because you pay much less interest and your payments are affordable to ensure your debt is paid off in a set time frame.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” disabled_on=”on|on|off” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||0px||false|false” custom_padding_tablet=”20px||110px||false|false” custom_padding_phone=”0px||70px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n A DMP doesn\u2019t change who your debts are with, but rather combines your monthly payments. It also reduces or eliminates the interest charged by your creditors going forward. If your DMP fails, your debt payments will return to how they were before the DMP started and in some cases penalties or interest from your creditors may apply. However, we don\u2019t let anyone start a DMP unless we\u2019re confident they\u2019ll succeed. If your situation unexpectedly changes, then we\u2019ll work to make a new plan and renegotiate with your creditors if needed. Whatever happens, we\u2019ll support you every step of the way.<\/span><\/p>\n A DMP affects your credit report until two years after its completion. While this may not sound like good news, it\u2019s far better than letting your debts keep your credit rating down indefinitely. The fastest path to reaching a stable financial future is to gain freedom from debt, and a DMP can be an excellent way to achieve this goal.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/discussing-with-client-about-debt-management-prrogram_2colm.jpg” alt=”discussing with client” title_text=”discussing-with-client-about-debt-management-prrogram” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”575px” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Testimonial – Chris” _builder_version=”4.16″ 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custom_padding_phone=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/client-caitlyn_testimonial.jpg” alt=”client caitlyn” show_bottom_space=”off” align=”center” admin_label=”Chris” _builder_version=”4.22.0″ width=”100%” max_width=”100%” module_alignment=”center” max_height=”385px” custom_margin=”15px|0px|0px|80px|false|false” custom_margin_tablet=”0px|||0px|false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px|0px|0px|false|false” custom_padding_tablet=”||35px||false|false” custom_padding_phone=”||0px||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” border_radii=”on|436px|436px|436px|436px” box_shadow_style=”preset1″ box_shadow_horizontal=”4px” box_shadow_vertical=”4px” box_shadow_blur=”21px” box_shadow_color=”rgba(0,0,0,0.15)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”bottom” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/05\/Testimonial_speech.png” alt=”Testimonial speech” title_text=”Testimonial” admin_label=”Quotation Mark” _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|phone” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|phone” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|phone” transform_styles_last_edited=”on|phone” max_width=”150px” max_width_tablet=”122px” max_width_phone=”116px” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”-30px|0px|-30px|0px|true|true” custom_margin_tablet=”-30px|0px|-30px|0px|true|true” custom_margin_phone=”-25px|0px|-25px||true|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|42px||42px|false|true” custom_padding_tablet=”0px|50px||0px|false|false” custom_padding_phone=”40px|60px|0px|0px|false|false” custom_padding_last_edited=”on|phone” filter_opacity=”30%” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_image][et_pb_text content_tablet=”<\/p>\n ” content_phone=”<\/p>\n ” content_last_edited=”off|desktop” admin_label=”H2 Heading” _builder_version=”4.16″ header_font=”|600|||||||” header_text_align=”left” header_text_color=”#5b25af” header_font_size=”42px” header_line_height=”1.3em” header_2_font=”Work Sans|600|||||||” header_2_text_color=”#5b25af” header_2_font_size=”42px” width=”94%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”|0px|0px|0px|false|true” custom_padding=”|0px||89px|true|false” custom_padding_tablet=”|||51px|true|false” custom_padding_phone=”|||38px|true|false” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”left” module_alignment_last_edited=”on|phone” custom_css_main_element=”font-weight: 600;|| font-size: 42px;|| color: #2b2b2b!important;|| line-height: 1.3em;|| text-align: left;” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Testimonial – Sandra” _builder_version=”4.16″ transform_translate_linked=”off” width=”100%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” custom_margin=”15px|0px|0px|0px|false|true” custom_padding=”0px|89px|0px|89px|true|true” custom_padding_tablet=”|0px||51px|true|false” custom_padding_phone=”|40px||40px|true|true” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”” module_alignment_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n When I came to the Credit Counselling Society three years ago I was terrified to answer my phone, my job was in jeopardy because creditors were calling me at work, and I avoided checking my mailbox for fear of the horrors that might await me there. CCS was able to negotiate with my creditors and relieve the immediate stress. Having all of my debt payments rolled into one manageable payment changed my life. CCS has helped me to turn my life around.<\/p>\n Caitlyn<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#e4f8e0″ admin_label=”CTA 1 – You’re not alone” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_margin=”0px|||||” custom_padding=”74px||0px||false|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ 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=”180px||140px||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=”rgba(255,255,255,0.6)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n Feel overwhelmed by debt?<\/p>\n [\/et_pb_text][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” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n We’re here for you.<\/p>\n [\/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=”|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n When facing a difficult challenge like debt, there\u2019s no need to try and overcome it by yourself. One of our professional credit counsellors will guide you through different debt solutions and will help you find the best option by carefully reviewing your whole financial situation, and answering any questions you have. Speaking with our certified counsellors is always free, confidential and without obligation.<\/p>\n [\/et_pb_text][et_pb_button button_url=”\/contact-us” button_text=”Let Us Help You” button_alignment=”center” _builder_version=”4.17.3″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/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=”Testimonial – Chris” module_class=”custom_row” _builder_version=”4.16″ background_color=”#e4f8e0″ custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”” 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global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”bottom” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/05\/Testimonial_speech.png” alt=”Testimonial speech” title_text=”Testimonial” admin_label=”Quotation Mark” _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|phone” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|phone” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|phone” transform_styles_last_edited=”on|phone” max_width=”150px” max_width_tablet=”122px” max_width_phone=”116px” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”-30px|0px|-30px|0px|true|true” custom_margin_tablet=”-30px|0px|-30px|0px|true|true” custom_margin_phone=”-25px|0px|-25px||true|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|42px||42px|false|true” custom_padding_tablet=”0px|50px||0px|false|false” custom_padding_phone=”40px|60px|0px|0px|false|false” custom_padding_last_edited=”on|phone” filter_opacity=”30%” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_image][et_pb_text content_tablet=”<\/p>\n ” content_phone=”<\/p>\n ” content_last_edited=”off|desktop” admin_label=”H2 Heading” _builder_version=”4.16″ header_font=”|600|||||||” header_text_align=”left” header_text_color=”#5b25af” header_font_size=”42px” header_line_height=”1.3em” header_2_font=”Work Sans|600|||||||” header_2_text_color=”#5b25af” header_2_font_size=”42px” width=”94%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”|0px|0px|0px|false|true” custom_padding=”|0px||89px|true|false” custom_padding_tablet=”|||51px|true|false” custom_padding_phone=”|||38px|true|false” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”left” module_alignment_last_edited=”on|phone” custom_css_main_element=”font-weight: 600;|| font-size: 42px;|| color: #2b2b2b!important;|| line-height: 1.3em;|| text-align: left;” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text admin_label=”Testimonial – Sandra” _builder_version=”4.16″ transform_translate_linked=”off” width=”100%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” custom_margin=”15px|0px|0px|0px|false|true” custom_padding=”0px|89px|0px|89px|true|true” custom_padding_tablet=”|0px||51px|true|false” custom_padding_phone=”|40px||40px|true|true” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”” module_alignment_last_edited=”on|phone” global_colors_info=”{}”]The counsellors made everything very accessible to me and really made me feel like it was possible to get out of debt! I\u2019ve been on the program now for over a year and I feel so free! I\u2019ve learned how to manage my money better, be accountable for my spending, and track my expenses. The people at CCS have shown me a lot of kindness, and I really feel like they genuinely want to help. I would recommend this program to anyone who needs help managing debt.<\/p>\n Ryan<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/client-ryan_testimonial.jpg” alt=”client ryan” show_bottom_space=”off” align=”center” admin_label=”Chris” _builder_version=”4.22.0″ width=”100%” max_width=”100%” module_alignment=”center” max_height=”385px” custom_margin=”15px|0px|0px|80px|false|false” custom_margin_tablet=”0px|||0px|false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px|0px|0px|false|false” custom_padding_tablet=”||35px||false|false” custom_padding_phone=”||0px||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” custom_css_main_element=”margin: auto;” 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text_font_size=”22px” text_line_height=”1.4em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”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|phone” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-11px||40px|||” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″ global_colors_info=”{}”]Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can’t fully help you, we’ll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. 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At a time like this, it can be helpful to sit down with a knowledgeable credit counsellor who can show you how to manage debt problems, and make a plan to resolve your difficulties. Once you can see your way out, you can regain your peace of mind and move forward with confidence.<\/p>\n [\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Contact Us” button_alignment=”center” _builder_version=”4.17.3″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ locked=”off” 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=”2_5″ _builder_version=”4.27.2″ background_color=”#4e128c” animation_direction=”right” custom_css_main_element=”margin: auto;” border_radii=”on|8px|8px|8px|8px” global_colors_info=”{}” custom_padding__hover=”|||” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”margin-top: 80px;” custom_css_main_element_phone=”margin-top: 80px;||margin-left: 20px;||max-width: 360px;”][et_pb_code _builder_version=”4.27.2″ _module_preset=”default” module_alignment=”center” global_module=”50730″ saved_tabs=”all” global_colors_info=”{}”]Cost and Considerations of a Debt Management Program<\/h2>\n
I feel like I can breathe again<\/h2>\n
I feel like I can breathe again<\/h2>\n
It changed my life<\/h3>\n
I feel like I can breathe again<\/h2>\n
I feel like I can breathe again<\/h2>\n
I would recommend this program to anyone<\/h3>\n
Find out how to get debt relief<\/h3>\n