{"id":9003,"date":"2020-07-17T22:04:07","date_gmt":"2020-07-17T22:04:07","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=9003"},"modified":"2025-04-21T11:37:33","modified_gmt":"2025-04-21T18:37:33","slug":"dealing-with-creditors","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/dealing-with-creditors","title":{"rendered":"Dealing with Creditors"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/dealing-with-creditors_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_image_phone=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/dealing-with-creditors_hero_mobile.jpg” background_enable_image_phone=”on” background_size_phone=”cover” background_position_tablet=”top_center” background_position_phone=”top_center” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||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=”4.16″ 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=”{}”]<\/p>\n

Dealing With Creditors<\/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 to communicate with your creditors effectively.[\/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_bg_color=”#2ad13d” 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_bg_color=”#2ad13d” 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=”||84px||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” global_colors_info=”{}”]<\/p>\n

Dealing with Debt Collectors<\/h1>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph Text” _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

When you\u2019re having debt trouble, you might not feel like talking to your creditors. But dealing with them sooner rather than later will help keep things from getting worse. Communicating with those you owe money to might seem scary, but in the end, gaining their cooperation is key to successfully managing your debt. By helping your creditors understand your situation, they will know what to expect from you, and can even make it easier for you to find a solution that works for you.<\/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=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”45px||65px||false|false” custom_padding_tablet=”70px||||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 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||0px|||” 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\/creditor-call_2colm.jpg” alt=”Couple looking at their finances and considering filing a consumer proposal to deal with their debts.” title_text=”creditor-call” align_tablet=”center” align_phone=”center” align_last_edited=”on|phone” _builder_version=”4.27.4″ custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding_tablet=”||30px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” hover_enabled=”0″ border_radii=”off|20px|200px|20px|200px” box_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

When Creditors Contact You<\/h2>\n

Getting letters or calls about your unpaid debt is a stressful experience. Creditors do have the right to ask for payment and they can pursue all legal options to recover the money you borrowed. However, you have your own rights and responsibilities as well, and each province has its own rules about what collectors can and can\u2019t do. These rules protect you from harassment so long as you hold up your end too.<\/p>\n

If you\u2019re receiving collection phone calls, check with your province\u2019s consumer protection office<\/a> for the rules around debt collection as they vary across Canada. Generally speaking, collectors can only call between specific hours, and they can\u2019t keep calling your workplace to check your employment status. In some provinces, you can also ask them in writing to only contact you by writing, and they\u2019ll legally have to stop calling so long as you respond to their letters.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” custom_padding=”20px|0px||0px|false|true” custom_padding_tablet=”20px|38px||38px|false|true” custom_padding_phone=”|0px||0px|false|true” 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

Whether you\u2019re contacting creditors or being contacted by them, make sure to keep good notes about your calls. This will help you remember what was said, what you agreed to, and what the next steps are. Your goal is let them know what you\u2019re going through and what you can and can\u2019t do right now about your debts. When you take this approach, they know what to expect and can work with you.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” next_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ background_color=”#e4f8e0″ custom_padding=”150px||180px||false|false” custom_padding_tablet=”70px||125px||false|false” custom_padding_phone=”50px||105px||false|false” top_divider_style=”ramp2″ top_divider_height=”200px” top_divider_height_tablet=”” top_divider_height_phone=”60px” top_divider_height_last_edited=”on|tablet” bottom_divider_style=”curve2″ bottom_divider_flip=”horizontal|vertical” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”40px” bottom_divider_height_last_edited=”on|tablet” 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” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”||17px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”24px|||||” global_colors_info=”{}”]<\/p>\n

When You Contact Your Creditors<\/h2>\n

Many people are scared to start a conversation with creditors because they\u2019re worried about the consequences. However, ignoring the problem will just make it worse. So long as your debt has not passed the statute of limitation, communicating with your creditors as soon as possible is usually your best course of action.<\/p>\n

Of course, knowing what to say is just as important as saying it. Outline your situation in writing for your creditors. Aim to be honest, factual, and clear about what you can or can\u2019t do. If you tell your credit card company that you can only pay $100 rather than the minimum $200 for the next 3 months because you were laid off, then they\u2019ll be much more likely to work with you than if you just ignore their call or letters.<\/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=”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\/contacting-creditors_2colm.jpg” alt=”Contact Your Creditors” title_text=”contacting-creditors” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-25px||false|false” custom_margin_phone=”||-30px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” 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_row][et_pb_row custom_padding_last_edited=”on|tablet” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px|||” custom_padding_tablet=”0px|36px|0px|36px|false|true” custom_padding_phone=”|||0px|false|false” 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=”{}”]Provide – in writing – the essential information needed for creditors to understand your situation. How much or how little information you provide will depend on your unique situation. We have some sample letters to give you an idea what you might want to tell your creditors.<\/a>[\/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=”Section” _builder_version=”4.16″ _module_preset=”default” custom_padding=”45px||0px||false|false” custom_padding_tablet=”40px||||false|false” custom_padding_phone=”50px||50px||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″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” animation_direction=”top” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”H2 + Paragraph Text” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

Sample Letters to Creditors<\/h2>\n

Below are sample letters that can be used in common situations to communicate with a creditor. However, before writing your creditor a letter, make sure to read through the warning messages. Always be honest, but also be aware of what could make your situation worse. There are some things that, if mentioned in writing, can trigger acceptance of the debt or extend the time period the creditor can legally pursue you for debt payment.[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” admin_label=”Row” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Reduced Payment” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/reduced-payment_icon_purple.png” alt=”Reduced Payment Icon” image_last_edited=”off|desktop” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}” image__hover_enabled=”off|hover”]For when you can only afford to make partial payments.[\/et_pb_blurb][et_pb_button button_url=”\/debt-help\/dealing-with-creditors\/reduced-payment-request-letter” url_new_window=”on” button_text=”Get Letter” button_alignment=”center” _builder_version=”4.17.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ button_icon_color=”#ffffff” animation_direction=”top” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_bg_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Can\u2019t Make Payments” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/short-period-of-time_icon_purple.png” alt=”Short Period of Time Icon” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}”]For when you can\u2019t make any payments for a short period of time.[\/et_pb_blurb][et_pb_button button_url=”\/debt-help\/dealing-with-creditors\/cant-make-payments-letter” url_new_window=”on” button_text=”Get Letter” button_alignment=”center” _builder_version=”4.17.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2AD13D” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ button_icon_color=”#ffffff” 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(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Forgiveness of Debt” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/shopping-list_icon_purple.png” alt=”Shopping List Icon Purple” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}”]For when you can\u2019t pay now or in the foreseeable future.[\/et_pb_blurb][et_pb_button button_url=”\/debt-help\/dealing-with-creditors\/debt-forgiveness-writeoff-letter” url_new_window=”on” button_text=”Get Letter” button_alignment=”center” _builder_version=”4.17.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ button_icon_color=”#ffffff” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” prev_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ _module_preset=”default” background_color=”#f9db31″ custom_margin=”55px||||false|false” custom_padding=”100px||0px||false|false” custom_padding_tablet=”60px||||false|false” custom_padding_phone=”10px||10px||false|false” top_divider_style=”curve2″ top_divider_height_tablet=”” top_divider_height_phone=”40px” top_divider_height_last_edited=”on|phone” animation_direction=”bottom” da_disable_devices=”off|off|off” global_colors_info=”{}” top_divider_height__hover_enabled=”off|desktop” 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=”70%” width_phone=”80%” width_last_edited=”on|desktop” custom_margin=”50px||||false|false” custom_padding=”||90px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”H2 + Paragraph Text” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n

Please Note:<\/h2>\n

If you have not made a payment on a debt for some time and you contact one of your creditors in writing, either on your own or with one of the sample letters below, this may in some provinces constitute “acknowledging the debt,” and restart\u202fthe statute of limitation in the same way making a payment would.<\/p>\n

Always use the term “alleged debt” when communicating with collectors or creditors. Sometimes they may attempt to get you to verbally acknowledge the debt. This, too, could restart the statute of limitation.<\/p>\n

The statute of limitation, which determines how long a creditor has to collect on a debt that is no longer acknowledged by the debtor,\u202fvaries by province<\/a>\u202fand ranges from 2 to 6 years.<\/p>\n

Credit reporting agencies also report debts on your credit report based on the date of last activity on the debt.\u202fAfter 6 years of no activity, a debt is typically no longer reported<\/a>\u202fby the credit reporting agencies.<\/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=”Section” _builder_version=”4.16″ background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/debt-collection-notice-2.jpg” parallax=”on” parallax_method=”off” custom_padding=”190px||70px||false|false” custom_padding_tablet=”130px||||false|false” custom_padding_phone=”70px||||false|false” top_divider_style=”curve2″ top_divider_color=”#f9db31″ top_divider_height=”150px” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#5B25AF” background_last_edited=”on|phone” use_background_color_gradient_tablet=”on” background_color_gradient_stops_tablet=”rgba(255,255,255,0.7) 0%|rgba(255,255,255,0.85) 100%” background_color_gradient_stops_phone=”rgba(255,255,255,0.8) 0%|rgba(255,255,255,0.85) 100%” background_color_gradient_overlays_image_tablet=”on” background_color_gradient_start_tablet=”rgba(255,255,255,0.7)” background_color_gradient_start_phone=”rgba(255,255,255,0.8)” background_color_gradient_end_tablet=”rgba(255,255,255,0.85)” parallax_tablet=”off” background_position_tablet=”center_left” background_position_phone=”center_left” da_disable_devices=”off|off|off” global_colors_info=”{}” background_color_gradient_start_tablet_preview_tablet=”#ffffff” background_color_gradient_end_tablet_preview_tablet=”#ffffff” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#2ad13d” text_font_size=”63px” transform_translate=”0px|15px” transform_translate_linked=”off” text_orientation=”center” max_width=”100%” animation_style=”slide” animation_direction=”left” animation_duration=”2000ms” animation_intensity_slide=”5%” text_font_size_tablet=”85px” text_font_size_phone=”60px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”0.8em” text_line_height_phone=”0.8em” text_line_height_last_edited=”on|phone” text_text_shadow_style=”preset1″ text_text_shadow_vertical_length=”0em” text_text_shadow_blur_strength=”1em” text_text_shadow_color=”#ffffff” global_colors_info=”{}”]<\/p>\n

MYTHS vs FACTS<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.16″ header_2_font=”|800|||||||” header_2_text_align=”center” header_2_text_color=”#5b25af” header_2_font_size=”50px” text_orientation=”right” max_width=”55%” max_width_tablet=”75%” max_width_phone=”100%” max_width_last_edited=”on|desktop” module_alignment=”right” custom_margin=”0px||||false|false” custom_padding=”0px|||||” animation_style=”slide” animation_direction=”right” animation_duration=”2000ms” animation_intensity_slide=”5%” header_2_font_size_tablet=”42px” header_2_font_size_phone=”36px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

About Debt Collection<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ custom_padding=”0px||||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_accordion module_class=”custom-accordion” _builder_version=”4.16″ text_shadow_style=”preset1″ text_shadow_vertical_length=”0em” text_shadow_blur_strength=”1em” text_shadow_color=”#ffffff” global_colors_info=”{}”][et_pb_accordion_item title=”Myth: You can go to jail for debt.” open=”on” _builder_version=”4.16″ custom_css_toggle_icon=”content: %22%92e0ff%22″ global_colors_info=”{}”]<\/p>\n

Fact:<\/b> In Canada, there\u2019s no debtor\u2019s prison and people are not jailed for non-fraudulent debts.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Myth: If you stop getting collection calls, your debt is gone.” _builder_version=”4.16″ custom_css_toggle_icon=”content: %22%92e090%22″ global_colors_info=”{}” open=”off”]<\/p>\n

Fact:<\/b> Phone calls are just one way that you can be contacted about unpaid debts.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Myth: You can always pay your original creditor rather than a collector.” _builder_version=”4.16″ custom_css_toggle_icon=”content: %22%92e08b%22″ global_colors_info=”{}” open=”off”]<\/p>\n

Fact:<\/b> Creditors cannot accept any more payments if they\u2019ve sold your debt to a collection agency.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Myth: Collectors can garnish your wages automatically if you don\u2019t pay.” _builder_version=”4.16″ custom_css_toggle_icon=”content: %22%92e0d8%22″ global_colors_info=”{}” open=”off”]<\/p>\n

Fact:<\/b> Creditors must go before a judge to obtain a court order to garnish your wages.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Myth: Filing a bankruptcy or consumer proposal will erase records of your debt.” _builder_version=”4.16″ _module_preset=”default” custom_css_toggle_icon=”content: %22%9251%22″ global_colors_info=”{}” open=”off”]<\/p>\n

Fact:<\/b> This doesn\u2019t happen until 6 or 7 years after you are discharged from bankruptcy or 3 years after you pay off your consumer proposal. At that time records of all debts are erased from your credit report. However, the courts maintain a permanent, public record of your insolvency.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Myth: Collection agents can call my family members and ask them for money.” _builder_version=”4.16″ _module_preset=”default” custom_css_toggle_icon=”content: %22%92e026%22″ global_colors_info=”{}” open=”off”]<\/p>\n

Fact:<\/b> Only the people whose names are on the debt can be required to pay.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Myth: Ignoring the debt collectors will make them go away.” _builder_version=”4.16″ _module_preset=”default” custom_css_toggle_icon=”content: %22%92e019%22″ global_colors_info=”{}” open=”off”]<\/p>\n

Fact:<\/b>When you legally owe the money, ignoring them can make your situation worse.<\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/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|desktop” prev_background_color=”#5b25af” admin_label=”Testimonial – Chris” _builder_version=”4.16″ custom_margin=”||1px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_last_edited=”off|desktop” custom_padding=”0px||175px||false|false” custom_padding_tablet=”54px||||false|false” custom_padding_phone=”80px||||false|false” top_divider_style=”curve2″ bottom_divider_color=”#5B25AF” 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 column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”off|desktop” admin_label=”Testimonial” _builder_version=”4.16″ width_tablet=”” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”|auto|80px|auto|false|false” custom_margin_phone=”0px||0px||true|false” custom_margin_last_edited=”off|desktop” custom_padding=”189px|0px|0px||false|false” custom_padding_tablet=”30px||||false|false” 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-jody_testimonial.jpg” alt=”Delores” show_bottom_space=”off” align=”center” admin_label=”Chris” _builder_version=”4.16″ 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

I feel like I can breathe again<\/h2>\n

” content_phone=”<\/p>\n

I feel like I can breathe again<\/h2>\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

Thank you very much for all your help<\/h2>\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

We would like to thank you very much for all your help. We were having such a dreadful time trying to keep all our bills on track. There was one crisis after another. Now we know with all the help and support from you, we will be able to get our financial situation under control.<\/p>\n

Jody<\/strong>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”CTA – Back on track” _builder_version=”4.16″ background_color=”rgba(0,0,0,0)” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_320755361_extra-scaled.jpg” parallax=”on” parallax_method=”off” transform_translate_linked=”off” z_index=”0″ max_width=”100%” custom_padding=”250px||250px||true|false” top_divider_style=”ramp2″ top_divider_color=”#FFFFFF” top_divider_height=”130px” top_divider_arrangement=”above_content” bottom_divider_style=”ramp2″ bottom_divider_color=”#5b25af” bottom_divider_height=”140px” bottom_divider_arrangement=”below_content” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” background_last_edited=”on|phone” parallax_tablet=”off” 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 column_structure=”1_2,1_2″ admin_label=”CTA Components” _builder_version=”4.4.7″ background_enable_color=”off” z_index=”0″ width=”90%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”||-18px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”0px||0px||false|false” animation_direction=”top” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” global_module=”11224″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”0px|40px” transform_translate_phone=”” transform_translate_last_edited=”on|tablet” 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” custom_padding=”|||” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading” _builder_version=”4.24.2″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”44px” text_line_height=”1.2em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|desktop” 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|desktop” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”62%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px|79px|||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”|||3px||” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Find out how to get debt relief<\/h3>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.24.2″ text_text_color=”#ffffff” 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. We’re here to help.[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Talk to Us” button_alignment=”center” _builder_version=”4.21.0″ custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ custom_margin_tablet=”45px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_last_edited=”off|tablet” 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=”CTA – 2 Column w\/form on Purple” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” z_index=”0″ max_width=”100%” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”70px||120px||false|false” custom_padding_tablet=”0px||40px||false|false” custom_padding_phone=”0px||30px||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=”ramp2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.27.2″ width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|auto||auto|false|false” custom_padding=”30px||||false|false” custom_padding_tablet=”200px||100px||false|false” custom_padding_phone=”200px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|50px||50px|false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ 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

Struggling with too much debt?<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ 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=”||||false|false” custom_padding=”10px||||false|false” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Speak with a non-profit credit counsellor.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.27.2″ 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=”430px” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|||” custom_padding=”25px||25px||false|false” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

When you’re overwhelmed with too much debt, you need a plan to get out and get back on tack. There are many ways to do this including debt relief programs and do-it-yourself options. The key is to find out what your options are and then make a plan to resolve your situation. Our certified non-profit credit counsellors can help you with this. Talking to them is always free, confidential, and non-judgmental.<\/p>\n

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