{"id":9872,"date":"2020-07-27T17:03:46","date_gmt":"2020-07-27T17:03:46","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=9872"},"modified":"2025-06-20T11:55:46","modified_gmt":"2025-06-20T18:55:46","slug":"free-debt-credit-help-for-canadians","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/","title":{"rendered":"Credit Counselling &#8211; Bankruptcy Help &#038; Debt Consolidation Canada"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; background_enable_image=&#8221;off&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_height_tablet=&#8221;&#8221; bottom_divider_height_phone=&#8221;60px&#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; 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use_background_color_gradient_tablet=&#8221;on&#8221; background_color_gradient_stops_tablet=&#8221;rgba(0,0,0,0.04) 0%|rgba(0,0,0,0.5) 100%&#8221; background_color_gradient_start_tablet=&#8221;rgba(0,0,0,0.04)&#8221; background_color_gradient_end_tablet=&#8221;rgba(0,0,0,0.5)&#8221; header_text_shadow_style=&#8221;preset2&#8243; body_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_css_slide_title__hover_enabled=&#8221;off|hover&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;rgba(0,0,0,0)&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2ad13d&#8221;][et_pb_slide heading=&#8221;We Help You Get Rid of Debt&#8221; button_text=&#8221;Learn More&#8221; button_link=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjQ0MzMifX0=@&#8221; use_bg_overlay=&#8221;off&#8221; use_text_overlay=&#8221;off&#8221; _builder_version=&#8221;4.16&#8243; 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background_color_gradient_start_tablet=&#8221;rgba(91,37,175,0.45)&#8221; background_image_tablet=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/exploring-options-to-get-rid-of-debt_hero_tablet.jpg&#8221; background_image_phone=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/exploring-options-to-get-rid-of-debt_hero_tablet.jpg&#8221; background_enable_image_tablet=&#8221;on&#8221; background_enable_image_phone=&#8221;on&#8221; background_size_tablet=&#8221;cover&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;center_left&#8221; background_position_phone=&#8221;center_left&#8221; global_colors_info=&#8221;{}&#8221; title_text_tablet=&#8221;exploring-options-to-get-rid-of-debt_hero_tablet&#8221; title_text_phone=&#8221;exploring-options-to-get-rid-of-debt_hero_tablet&#8221; header_text_color__hover_enabled=&#8221;on|hover&#8221; header_text_color__hover=&#8221;#ffffff&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>Explore payment consolidation, interest relief, and other options to eliminate your debt faster.<\/p>\n<p>[\/et_pb_slide][et_pb_slide heading=&#8221;Free Credit Counselling&#8221; button_text=&#8221;Learn More&#8221; button_link=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjgwODIifX0=@&#8221; _builder_version=&#8221;4.16&#8243; _dynamic_attributes=&#8221;button_link&#8221; 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_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/01\/credit-counselling-with-counsellor-hero-opt-scaled.jpg&#8221; background_enable_image=&#8221;on&#8221; custom_button=&#8221;on&#8221; background_last_edited=&#8221;on|phone&#8221; background_color_gradient_stops_tablet=&#8221;rgba(91,37,175,0.46) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_start_tablet=&#8221;rgba(91,37,175,0.46)&#8221; background_position_phone=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; custom_css_slide_title__hover_enabled=&#8221;off|hover&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>Financial insight and guidance to get you back on track.<\/p>\n<p>[\/et_pb_slide][et_pb_slide heading=&#8221;Engaging Financial Education&#8221; button_text=&#8221;Learn More&#8221; button_link=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjY2MzcifX0=@&#8221; _builder_version=&#8221;4.16&#8243; _dynamic_attributes=&#8221;button_link&#8221; background_enable_color=&#8221;off&#8221; 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_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/01\/engaging-financial-education-webinar-hero-opt-scaled.jpg&#8221; background_enable_image=&#8221;on&#8221; custom_button=&#8221;on&#8221; background_last_edited=&#8221;on|phone&#8221; background_color_gradient_stops_tablet=&#8221;rgba(91,37,175,0.46) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_start_tablet=&#8221;rgba(91,37,175,0.46)&#8221; background_image_tablet=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/engaging-financial-education-webinar_hero_tablet.jpg&#8221; background_enable_image_tablet=&#8221;on&#8221; background_position_tablet=&#8221;center_right&#8221; background_position_phone=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; title_text_tablet=&#8221;engaging-financial-education-webinar_hero_tablet&#8221; custom_css_slide_title__hover_enabled=&#8221;off|hover&#8221; sticky_transition=&#8221;on&#8221;]<\/p>\n<p>From scheduled online webinars to tailored workplace workshops, we\u2019ve got you covered.<\/p>\n<p>[\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Intro Paragraph&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;100px||200px||false|false&#8221; custom_padding_tablet=&#8221;80px||150px||false|false&#8221; custom_padding_phone=&#8221;60px||100px||false|false&#8221; top_divider_style_last_edited=&#8221;off|desktop&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#5B25AF&#8221; bottom_divider_repeat=&#8221;1x&#8221; bottom_divider_flip=&#8221;horizontal|vertical&#8221; bottom_divider_style_tablet=&#8221;&#8221; bottom_divider_style_phone=&#8221;&#8221; bottom_divider_style_last_edited=&#8221;on|phone&#8221; 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_text _builder_version=&#8221;4.27.2&#8243; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||2px|||&#8221; animation_direction=&#8221;bottom&#8221; header_font_size_tablet=&#8221;30px&#8221; header_font_size_phone=&#8221;26px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><span>Free Credit Counselling, Bankruptcy &amp; Debt Consolidation in Canada<\/span><\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The Credit Counselling Society is a registered, non profit service for consumers. Since opening 28 years ago, we have helped over one million Canadians:<\/p>\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; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Solve Debt Problems&#8221; url=&#8221;\/debt-help&#8221; image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/getting-out-of-debt_icon_purple.png&#8221; alt=&#8221;Solving debt problems in Canada.&#8221; image_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;Icon + Heading + Blurb + Button&#8221; _builder_version=&#8221;4.24.2&#8243; header_level=&#8221;h3&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;rgba(0,0,0,0.82)&#8221; header_font_size=&#8221;26px&#8221; text_orientation=&#8221;center&#8221; animation_direction=&#8221;top&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;\/debt-help&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;22px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; image__hover_enabled=&#8221;on|hover&#8221; image__hover=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/getting-out-of-debt_icon_green.png&#8221;]<\/p>\n<p>Learn how to get out of debt.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;20px||||false|false&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Manage Money Better&#8221; url=&#8221;\/budgeting\/budgeting-tips&#8221; image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/designing-your-budget_icon_purple.png&#8221; alt=&#8221;Teaching Canadian consumers how to manage money better.&#8221; admin_label=&#8221;Icon + Heading + Blurb + Button&#8221; _builder_version=&#8221;4.24.2&#8243; header_level=&#8221;h3&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;rgba(0,0,0,0.82)&#8221; header_font_size=&#8221;26px&#8221; text_orientation=&#8221;center&#8221; animation_direction=&#8221;top&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;\/budgeting\/budgeting-tips&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;22px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; image__hover_enabled=&#8221;on|hover&#8221; image__hover=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/designing-your-budget_icon_green.png&#8221;]<\/p>\n<p>We can help you with your budgeting.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;20px||||false|false&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Learn About Credit&#8221; url=&#8221;\/financial-education\/understanding-credit&#8221; image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/improving-your-credit_icon_purple.png&#8221; alt=&#8221;Learn more about credit and credit reports and learn how to use it responsibly.&#8221; admin_label=&#8221;Icon + Heading + Blurb + Button&#8221; _builder_version=&#8221;4.24.2&#8243; header_level=&#8221;h3&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;rgba(0,0,0,0.82)&#8221; header_font_size=&#8221;26px&#8221; text_orientation=&#8221;center&#8221; animation_direction=&#8221;top&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;\/financial-education\/understanding-credit&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;22px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; image__hover_enabled=&#8221;on|hover&#8221; image__hover=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/improving-your-credit_icon_green.png&#8221;]<\/p>\n<p>Discover how to use credit responsibly<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][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;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]And we can help you too! Connect with us <a href=\"\/contact-us#options\">by phone<\/a>, <a href=\"\/contact-us#locations\">in person<\/a>, or through <a href=\"#hs-chat-open\">live on-line chat<\/a>. Ask us any questions you may have.[\/et_pb_text][et_pb_button button_url=&#8221;tel:1-888-527-8999&#8243; button_text=&#8221;1-888-527-8999&#8243; button_alignment=&#8221;center&#8221; disabled_on=&#8221;off|on|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#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;Self Assessment Tool Section&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#5B25AF&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;40px||5px||false|false&#8221; custom_padding_tablet=&#8221;||||false|false&#8221; custom_padding_phone=&#8221;25px||||false|false&#8221; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_height_tablet=&#8221;70px&#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; 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; max_width=&#8221;730px&#8221; custom_padding=&#8221;||2px|||&#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;4.19.5&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.1em&#8221; header_2_font_size=&#8221;38px&#8221; header_2_line_height=&#8221;0.9em&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; header_2_font_size_tablet=&#8221;35px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 id=\"top-h2\">Find Out Exactly How We Can Help<br \/>\n<span style=\"font-size: 70%; color: #bca7df;\">by Answering 4 Simple Questions<\/span><\/h2>\n<p>Not sure where to start in finding help for your specific financial situation? Answer these 4 easy multiple-choice questions to get pointed in the right direction. All you have to do is click the boxes that apply to you and then the green button when you&#8217;re done.<\/p>\n<p>&nbsp;[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Self Assessment Tool&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#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_code _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<!DOCTYPE html><!-- [et_pb_line_break_holder] --><html lang=\"en\"><!-- [et_pb_line_break_holder] --><head><!-- [et_pb_line_break_holder] -->    <meta charset=\"UTF-8\"><!-- [et_pb_line_break_holder] -->    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\"><!-- [et_pb_line_break_holder] -->    <strong style=\"display:inline-block;margin-bottom:20px;color:#fff;\">How We Can Help Self Assessment<\/strong><!-- [et_pb_line_break_holder] -->    <\/p>\n<style><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    label {<!-- [et_pb_line_break_holder] -->        display: block; <!-- [et_pb_line_break_holder] -->        position: relative;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    \/* input[type=\"checkbox\"]::after{background: #6949a0;} *\/<!-- [et_pb_line_break_holder] -->    input[type=\"checkbox\"] { <!-- [et_pb_line_break_holder] -->        position: absolute;<!-- [et_pb_line_break_holder] -->    \t\ttop: 0px; \/* Originally set to 2px. *\/<!-- [et_pb_line_break_holder] -->    \t\tleft: -17px; \/* Originally set to -5px. *\/<!-- [et_pb_line_break_holder] -->        float: left; \/* Puts checkbox buttons on the left side of the text*\/<!-- [et_pb_line_break_holder] -->        margin-right: 10px; \/* Adds space between the checkbox button and the text *\/<!-- [et_pb_line_break_holder] -->      \twidth: 25px; \/* Increases the size of checkboxes. 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[et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-ms-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->      \t}<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] -->    <!--[if lte IE 8]><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script><!-- [et_pb_line_break_holder] -->    <![endif]--><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] -->    <\/p>\n<form action=\"sa-results.html\" method=\"GET\"><!-- [et_pb_line_break_holder] -->        <script><!-- [et_pb_line_break_holder] -->            function selectOnlyThis(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"Check\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis5(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckA\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis6(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 6; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckB\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        <\/script><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"questions\"><pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#back\"><span>Back to the questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"slide-one-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] -->            <pee><span>1. What is your primary financial concern?<\/span><a name=\"1\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q1\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1a\"><input type=\"checkbox\" id=\"Check1\" name=\"question\" value=\"1) Debts\" onclick=\"selectOnlyThis(this.id)\"><span>Addressing my debts<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1b\"><input type=\"checkbox\" id=\"Check2\" name=\"question\" value=\"1) Budget\" onclick=\"selectOnlyThis(this.id)\"><span>Creating or reviewing my budget<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1c\"><input type=\"checkbox\" id=\"Check3\" name=\"question\" value=\"1) Knowledge\" onclick=\"selectOnlyThis(this.id)\"><span>Improving my financial knowledge (how credit works, credit report, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1d\"><input type=\"checkbox\" id=\"Check4\" name=\"question\" value=\"1) Saving\" onclick=\"selectOnlyThis(this.id)\"><span>Saving for a specific goal, such as retirement, a vacation, or major purchase<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1e\"><input type=\"checkbox\" id=\"Check5\" name=\"question\" value=\"1) Business\" onclick=\"selectOnlyThis(this.id)\"><span>Business-related issues (e.g. debt, operating losses, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>2. Do you currently carry balances on any of the following? <em>(Check all that apply)<\/em><\/span><a name=\"2\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q2\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check6\" value=\"2) Unsecured Debt\"><span>Unsecured debts (e.g. credit cards, unsecured lines of credit or loans, payday loans)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check7\" value=\"2) Secured Debt\"><span>Secured debts (e.g. mortgages or secured lines of credit, car loan)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check8\" value=\"2) Payday Loans\"><span>Payday loans<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check9\" value=\"2) Government Debt\"><span>Government debts (e.g. taxes, student loans, EI)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check10\" value=\"2) Service Provider Debt\"><span>Service providers (e.g. phone\/internet, utilities, gyms etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>3. Which of the following best describes you?<\/span><a name=\"3\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q3\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3a\"><input type=\"checkbox\" id=\"CheckA1\" name=\"question\" value=\"3) No balances\" onclick=\"selectOnlyThis5(this.id)\"><span>I pay off my balances in full each month<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3b\"><input type=\"checkbox\" id=\"CheckA2\" name=\"question\" value=\"3) Balances and good\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance but my debts are in \u201cgood standing\u201d<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3c\"><input type=\"checkbox\" id=\"CheckA3\" name=\"question\" value=\"3) Balances and behind\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance and I am behind in my regular payments<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3d\"><input type=\"checkbox\" id=\"CheckA4\" name=\"question\" value=\"3) Collection activities\" onclick=\"selectOnlyThis5(this.id)\"><span>I am receiving collection calls, letters, or threats to repossess assets<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3e\"><input type=\"checkbox\" id=\"CheckA5\" name=\"question\" value=\"3) Being sued\" onclick=\"selectOnlyThis5(this.id)\"><span>I have been sued by one or more creditors<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee><span>4. What is your household\u2019s primary source of income?<\/span><a name=\"how-we-can-help\">\u00a0<\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q4\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4a\"><input type=\"checkbox\" id=\"CheckB1\" name=\"question\" value=\"4) No income\" onclick=\"selectOnlyThis6(this.id)\"><span>No income<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4b\"><input type=\"checkbox\" id=\"CheckB2\" name=\"question\" value=\"4) Govt asstnc. or disability\" onclick=\"selectOnlyThis6(this.id)\"><span>Government Income Assistance and\/or disability programs (e.g. PWD, ODSP)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4c\"><input type=\"checkbox\" id=\"CheckB3\" name=\"question\" value=\"4) EI or government pension\" onclick=\"selectOnlyThis6(this.id)\"><span>EI or Government pensions (e.g. CPP\/OAS)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4d\"><input type=\"checkbox\" id=\"CheckB4\" name=\"question\" value=\"4) Employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4e\"><input type=\"checkbox\" id=\"CheckB5\" name=\"question\" value=\"4) Self-employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Self-Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4f\"><input type=\"checkbox\" id=\"CheckB6\" name=\"question\" value=\"4) Work pension\" onclick=\"selectOnlyThis6(this.id)\"><span>Work-based pensions<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\"><pee class=\"error-message\" id=\"errorMessage\" style=\"display:none\">First, please respond to the questions above<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] -->                    <button type=\"button\" id=\"showResults\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Show How We Can Help<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div>\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] -->                  <\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" style=\"display:none\"><span>Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_2\" hidden><span>Budgeting is essential for healthy finances, and we can help you with this important step. Our licensed Counsellors can help you make sense of your income and expenses, and review ways to make changes. We also have <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">some fantastic budgeting tools and guides if you want to dive in right now<\/a> before meeting with one of our Counsellors.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-1_3\" hidden><span>The Credit Counselling Society provides financial education through free appointments with our licensed credit counsellors. We also offer free workshops, webinars, and have created an <a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener\">educational website (mymoneycoach.ca)<\/a> with detailed information on many important financial topics.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_4\" hidden><span>There are a few pieces to consider when saving for a specific goal. The Credit Counselling Society can help with budgeting and savings tips, and you may also consider speaking with a financial planner.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_5\" hidden><span>If your business is struggling with debt, we may be able to help, depending on if the debt is personally guaranteed. If you\u2019re primarily looking for operations or planning assistance, a business advisor such as a consultant or accountant may be better able to help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_1\" hidden><span>In regard to your unsecured debts, this kind of debt can vary widely in terms of interest, payments, and terms. The good news is, though, that you have multiple relief options available. However, it can be difficult to weigh the pros and cons of each one. We can help you review the details and proceed with the solution that\u2019s best for you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_2\" hidden><span>For your secured debts, your options are more limited than with unsecured debts, due to the underlying asset (\u201csecurity\u201d). Nonetheless, we can help you explore those options and how they apply to your specific situation.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-2_3\" hidden><span>Regarding your payday loans, they can be challenging to repay without help due to the high interest rates and fees that are often charged. You may find yourself caught in a frustrating \u2018payday loan cycle\u2019 where you\u2019re borrowing money each month to pay the bill from the previous month ending up further behind than when you started. We can help you find options to break this cycle.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_4\" hidden><span>With respect to the money you owe the government, options can become very limited. Even insolvency options such as bankruptcy may not remove some government debts. We generally advise reaching out to the government entity whom you owe to try to arrange payments. We may be able to help you budget for this.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_5\" hidden><span>For the money you owe to service providers, the major factor is whether you want or need to continue with the service provided. If so, your only option is to contact the provider and try to arrange payments. If maintaining service is not necessary, you have more options and we can help you review them.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_1\" hidden><span>You indicate that you pay off your credit balances in full each month. Congratulations! Paying off your balances completely each month for credit cards, lines of credit, and other credit products is a sign of healthy finances. Many Canadians struggle to achieve this regularly. If you have concerns about meeting your future obligations, we\u2019re happy to provide some help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_2\" hidden><span>If you are carrying a balance with your debts, this does not necessarily mean you&#8217;re struggling, but it may be an indication of financial difficulty. We can help you determine if a few adjustments are necessary, or if more significant action is suggested for your situation. We\u2019ll also help you to develop a plan you\u2019re happy with.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_3\" hidden><span>If you&#8217;re struggling with your payments and some end up being late or get missed, this is often a sign of financial distress. Through an appointment, we can help you to determine whether it is possible to catch up, or whether other options need to be explored to reduce your debt.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_4\" hidden><span>If you are receiving collections communication or repossession threats, the situation has become serious and increasingly time-sensitive. We highly recommend contacting us for help with this situation as soon as possible because your creditors are likely to take further action.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_5\" hidden><span>If creditors have initiated legal action, our ability to help becomes limited. You are welcome to call us for guidance but you\u2019re likely going to need legal assistance, which we cannot provide directly. We can connect you with the right professionals for your situation if this ends up being the case.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_1\" hidden><span>If you are currently without income, the top priority is covering your essential living expenses while trying to obtain income. We encourage you to focus on these essentials, and we\u2019re happy to assist you with understanding your financial options.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_2\" hidden><span>The income you receive from the government is intended for basic needs such as food and shelter, and therefore is protected from creditors. We can help you review your budget and consider your options with this type of income and\/or a mix of other income types.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_3\" hidden><span>The income provided by EI or government pensions can meet basic needs, but it might be a reduction from your previous income. We can help you to create or review your existing budget and identify some potential adjustments while providing guidance on any debts you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_4\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_5\" hidden><span>In respect to your self-employment, this type of employment offers freedom and flexibility, but also poses unique challenges for managing your finances. We can help sole proprietors and non-corporate business owners through budgeting and debt solutions. We often advise corporate owners\/directors to contact a more specialized expert in corporate finance.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_6\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-cta\" hidden><span>If you&#8217;d like to speak with a certified credit counsellor right now, call us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or fill out the form below to request a call back. We look forward to hearing from you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                          <\/p>\n<div id=\"hidden-form\" hidden><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t<script><!-- [et_pb_line_break_holder] -->                                var responses; \/* Needed to add data to HubSpot form at the end *\/<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar ClickCount = 0;<!-- [et_pb_line_break_holder] -->                      \t\t\t\t\tvar show_results = document.getElementById(\"showResults\");<!-- [et_pb_line_break_holder] -->                        jQuery( document ).ready(function( $ ) {<!-- [et_pb_line_break_holder] -->                            function displayResults() {<!-- [et_pb_line_break_holder] -->                                var checkBox1 = document.getElementById(\"Check1\");<!-- [et_pb_line_break_holder] -->                                var checkBox2 = document.getElementById(\"Check2\");<!-- 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[et_pb_line_break_holder] -->                                    text6.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text7 = document.getElementById(\"hidden-2_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox7.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text7.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text7.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text8 = document.getElementById(\"hidden-2_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox8.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text8.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text8.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text9 = document.getElementById(\"hidden-2_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox9.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text9.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text9.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text10 = document.getElementById(\"hidden-2_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox10.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text10.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text11 = document.getElementById(\"hidden-3_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox11.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text11.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text12 = document.getElementById(\"hidden-3_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox12.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text12.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text13 = document.getElementById(\"hidden-3_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox13.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text13.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text14 = document.getElementById(\"hidden-3_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox14.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text14.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text15 = document.getElementById(\"hidden-3_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox15.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text15.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text16 = document.getElementById(\"hidden-4_1\");<!-- [et_pb_line_break_holder] -->                                if (checkBox16.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text16.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text17 = document.getElementById(\"hidden-4_2\");<!-- [et_pb_line_break_holder] -->                                if (checkBox17.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text17.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text18 = document.getElementById(\"hidden-4_3\");<!-- [et_pb_line_break_holder] -->                                if (checkBox18.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text18.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text19 = document.getElementById(\"hidden-4_4\");<!-- [et_pb_line_break_holder] -->                                if (checkBox19.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text19.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text20 = document.getElementById(\"hidden-4_5\");<!-- [et_pb_line_break_holder] -->                                if (checkBox20.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text20.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text21 = document.getElementById(\"hidden-4_6\");<!-- [et_pb_line_break_holder] -->                                if (checkBox21.checked == true && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text21.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              \t\/\/Code for jumping back to slide one<!-- [et_pb_line_break_holder] -->                                var text101 = document.getElementById(\"slide-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var text102 = document.getElementById(\"back-to-one\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text102.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                var back_link = document.getElementById(\"goback\");<!-- [et_pb_line_break_holder] -->                                back_link.onclick = function() {<!-- [et_pb_line_break_holder] -->                                  text101.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  return false;<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Hides show results button after it's clicked<!-- [et_pb_line_break_holder] -->                                  if (FormComplete == true){<!-- [et_pb_line_break_holder] -->                                  back_link.scrollIntoView();<!-- [et_pb_line_break_holder] -->                                \t}<!-- [et_pb_line_break_holder] -->                              <!-- [et_pb_line_break_holder] -->                                \/\/Call to action<!-- [et_pb_line_break_holder] -->                                var text01 = document.getElementById(\"hidden-cta\");<!-- [et_pb_line_break_holder] -->                                var text02 = document.getElementById(\"hidden-form\");<!-- [et_pb_line_break_holder] -->                              \tvar text03 = document.getElementById(\"sa-hidden-form\");<!-- [et_pb_line_break_holder] -->                                if ((checkBox1.checked == true || checkBox2.checked == true || checkBox6.checked == true || checkBox7.checked == true || checkBox8.checked == true || checkBox10.checked == true || checkBox11.checked == true || checkBox12.checked == true || checkBox13.checked == true || checkBox14.checked == true || checkBox15.checked == true  || checkBox17.checked == true || checkBox18.checked == true || checkBox19.checked == true || checkBox20.checked == true || checkBox21.checked == true)  && FormComplete == true){<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    text01.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text02.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                  \ttext03.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                                \/\/ Hidden Header for last section & Error Message<!-- [et_pb_line_break_holder] -->                                var text0 = document.getElementById(\"hidden-heading\");<!-- [et_pb_line_break_holder] -->                                if (FormComplete == false){<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                } else {<!-- [et_pb_line_break_holder] -->                                    document.getElementById(\"errorMessage\").style.display = \"none\";<!-- [et_pb_line_break_holder] -->                                    text0.style.display = \"block\";<!-- [et_pb_line_break_holder] -->                                  \t\/\/Draws the eye to revealed text by putting new section in view then fading in text<!-- [et_pb_line_break_holder] -->                                  \twindow.location.hash = 'top-h2';<!-- [et_pb_line_break_holder] -->                                    $('#reveal-section')<!-- [et_pb_line_break_holder] -->                                        .css({backgroundColor:\"#5B25AF\"})<!-- [et_pb_line_break_holder] -->                                        .animate({backgroundColor:\"transparent\"}, 5000, null, <!-- [et_pb_line_break_holder] -->                                        function() { this.style.backgroundColor='transparent'; });<!-- [et_pb_line_break_holder] -->                                }<!-- [et_pb_line_break_holder] -->                            }         <!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Could use this in show results button: onclick=\"window.location.hash = 'how-we-can-help';\"<!-- [et_pb_line_break_holder] -->                          \t\/\/It then jumps to an achor link in question 4.<!-- [et_pb_line_break_holder] -->                           \t<!-- [et_pb_line_break_holder] -->                            \t\tvar show_r = document.getElementById(\"showResults\")<!-- [et_pb_line_break_holder] -->                            \t\tshow_r.onclick = function() {<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\twindow.scrollBy(0, 400);<!-- [et_pb_line_break_holder] -->                            \t\t\t\treturn false;<!-- [et_pb_line_break_holder] -->                            \t\t}<!-- [et_pb_line_break_holder] -->                          <!-- [et_pb_line_break_holder] -->                            \/\/Put checkbox responses into an array to send to HubSpot<!-- [et_pb_line_break_holder] -->                              $(\"#showResults\").click(function(){<!-- [et_pb_line_break_holder] -->                                  displayResults();<!-- [et_pb_line_break_holder] -->                                \tClickCount = 1;<!-- [et_pb_line_break_holder] -->                                  var responseArray = [];<!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] -->                                  $.each($(\"input[name='question']:checked\"), function(){<!-- [et_pb_line_break_holder] -->                                      responseArray.push($(this).val());<!-- [et_pb_line_break_holder] -->                                  });<!-- [et_pb_line_break_holder] -->                                  responses = responseArray.join(\", \");<!-- [et_pb_line_break_holder] -->                                            <!-- [et_pb_line_break_holder] -->                                  document.getElementsByName(\"responses_to_4_questions\").value = responses; <!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->                                });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                        });<!-- [et_pb_line_break_holder] -->\/\/ Code for 5 review stars at the end of HubSpot form                      <!-- [et_pb_line_break_holder] -->(function injectStarRatingWithDescriptions() {<!-- [et_pb_line_break_holder] -->  const observer = new MutationObserver((mutations, obs) => {<!-- [et_pb_line_break_holder] -->    const ratingList = document.querySelector(\".hs_n4_question_app_rating ul\");<!-- [et_pb_line_break_holder] -->    if (!ratingList) return;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    obs.disconnect();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const lis = ratingList.querySelectorAll(\"li\");<!-- [et_pb_line_break_holder] -->    const fieldName = \"n4_question_app_rating\";<!-- [et_pb_line_break_holder] -->    const labels = [\"1 Star\", \"2 Stars\", \"3 Stars\", \"4 Stars\", \"5 Stars\"];<!-- [et_pb_line_break_holder] -->    let selectedIndex = -1;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Create descriptive label beside stars<!-- [et_pb_line_break_holder] -->    const descriptor = document.createElement(\"div\");<!-- [et_pb_line_break_holder] -->    descriptor.id = \"star-descriptor\";<!-- [et_pb_line_break_holder] -->    descriptor.style.marginLeft = \"12px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.fontSize = \"16px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.fontWeight = \"normal\";<!-- [et_pb_line_break_holder] -->    descriptor.style.color = \"#fff\";<!-- [et_pb_line_break_holder] -->    descriptor.style.minWidth = \"90px\";<!-- [et_pb_line_break_holder] -->    descriptor.style.alignSelf = \"center\";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/\/ Wrap stars and descriptor side by side<!-- [et_pb_line_break_holder] -->    const wrapper = document.createElement(\"div\");<!-- [et_pb_line_break_holder] -->    wrapper.style.display = \"flex\";<!-- [et_pb_line_break_holder] -->    wrapper.style.alignItems = \"center\";<!-- [et_pb_line_break_holder] -->    ratingList.parentElement.insertBefore(wrapper, ratingList);<!-- [et_pb_line_break_holder] -->    wrapper.appendChild(ratingList);<!-- [et_pb_line_break_holder] -->    wrapper.appendChild(descriptor);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    lis.forEach((li, index) => {<!-- [et_pb_line_break_holder] -->      const existingInput = li.querySelector(\"input\");<!-- [et_pb_line_break_holder] -->      if (existingInput) existingInput.remove();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      const label = li.querySelector(\"label\");<!-- [et_pb_line_break_holder] -->      if (label) {<!-- [et_pb_line_break_holder] -->        label.innerHTML = \"\u2606\";<!-- [et_pb_line_break_holder] -->        label.classList.add(\"custom-star-label\");<!-- [et_pb_line_break_holder] -->        label.setAttribute(\"data-index\", index);<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      const input = document.createElement(\"input\");<!-- [et_pb_line_break_holder] -->      input.type = \"radio\";<!-- [et_pb_line_break_holder] -->      input.name = fieldName;<!-- [et_pb_line_break_holder] -->      input.value = (index + 1).toString();<!-- [et_pb_line_break_holder] -->      input.style.display = \"none\";<!-- [et_pb_line_break_holder] -->      li.appendChild(input);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"click\", () => {<!-- [et_pb_line_break_holder] -->        ratingList.querySelectorAll(\"input\").forEach(inp => {<!-- [et_pb_line_break_holder] -->          inp.checked = false;<!-- [et_pb_line_break_holder] -->          inp.removeAttribute(\"checked\");<!-- [et_pb_line_break_holder] -->          inp.removeAttribute(\"data-gtm-form-interact-field-id\");<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        input.checked = true;<!-- [et_pb_line_break_holder] -->        input.setAttribute(\"checked\", \"checked\");<!-- [et_pb_line_break_holder] -->        input.setAttribute(\"data-gtm-form-interact-field-id\", \"0\");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->        selectedIndex = index;<!-- [et_pb_line_break_holder] -->        updateStars(index);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = labels[index];<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"mouseover\", () => {<!-- [et_pb_line_break_holder] -->        updateStars(index);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = labels[index];<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      label?.addEventListener(\"mouseout\", () => {<!-- [et_pb_line_break_holder] -->        updateStars(selectedIndex);<!-- [et_pb_line_break_holder] -->        descriptor.textContent = selectedIndex >= 0 ? labels[selectedIndex] : \"\";<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    function updateStars(activeIndex) {<!-- [et_pb_line_break_holder] -->      lis.forEach((li2, i) => {<!-- [et_pb_line_break_holder] -->        const lbl = li2.querySelector(\"label\");<!-- [et_pb_line_break_holder] -->        if (lbl) {<!-- [et_pb_line_break_holder] -->          lbl.innerHTML = i <= activeIndex ? \"\u2605\" : \"\u2606\";<!-- [et_pb_line_break_holder] -->          lbl.classList.toggle(\"selected\", i <= activeIndex);<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    const initialIndex = Array.from(ratingList.querySelectorAll(\"input\")).findIndex(r => r.checked);<!-- [et_pb_line_break_holder] -->    if (initialIndex >= 0) {<!-- [et_pb_line_break_holder] -->      selectedIndex = initialIndex;<!-- [et_pb_line_break_holder] -->      updateStars(initialIndex);<!-- [et_pb_line_break_holder] -->      descriptor.textContent = labels[initialIndex];<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  observer.observe(document.body, { childList: true, subtree: true });<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] -->              \t\t\t\t<\/script><!-- [et_pb_line_break_holder] -->          \t\t\t\t\t<\/div>\n<p><!-- [et_pb_line_break_holder] -->                  \t<\/p>\n<div id=\"sa-hidden-form\" class=\"hs-quiz-form-1\" hidden><!-- [et_pb_line_break_holder] -->                     \t  <script><!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\/* Creates HubSpot Form *\/<!-- [et_pb_line_break_holder] -->                        hbspt.forms.create({<!-- [et_pb_line_break_holder] -->                              region: \"na1\",<!-- [et_pb_line_break_holder] -->                              portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->                              formId: \"d9adde1f-5ea2-4342-bbcd-34122da1b389\",<!-- [et_pb_line_break_holder] -->                                  onFormReady: function($form) {<!-- [et_pb_line_break_holder] -->                                  $form.find('input[name=\"responses_to_4_questions\"]').val(responses).change();<!-- [et_pb_line_break_holder] -->                                  }<!-- [et_pb_line_break_holder] -->                              }); <!-- [et_pb_line_break_holder] -->                                       <!-- [et_pb_line_break_holder] -->                         \/* Adds checkbox responses to form after button click*\/ <!-- [et_pb_line_break_holder] -->                         function checkForClick() {<!-- [et_pb_line_break_holder] -->                              if (ClickCount > 0){      \t\t<!-- [et_pb_line_break_holder] -->                              \t\tconst input = document.querySelector('input[name=\"responses_to_4_questions\"]')<!-- [et_pb_line_break_holder] -->                                  input.value = responses;<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tinput.dispatchEvent(new Event('input', { bubbles: true }));<!-- [et_pb_line_break_holder] -->                                \t<!-- [et_pb_line_break_holder] -->                                \t\/* console.log(\"checkForClick -> True\");<!-- [et_pb_line_break_holder] -->                                  console.log(responses); *\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                           \t\t}      <!-- [et_pb_line_break_holder] -->                          }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\tsetInterval(checkForClick, 5000);<!-- [et_pb_line_break_holder] -->                          <\/script><!-- [et_pb_line_break_holder] -->                      <script><!-- [et_pb_line_break_holder] -->\/\/ This injects CSS for the HS form 5 star review \/\/<!-- [et_pb_line_break_holder] -->(function injectStarStyle() {<!-- [et_pb_line_break_holder] -->  const style = document.createElement(\"style\");<!-- [et_pb_line_break_holder] -->  style.innerHTML = `<!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      list-style: none;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .hs_n4_question_app_rating 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[et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#5B25AF&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;125px||70px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;100px||||false|false&#8221; top_divider_style=&#8221;wave2&#8243; top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;&#8221; top_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; 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; custom_padding=&#8221;||1px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; header_2_line_height=&#8221;0.9em&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Debt Repayment Support<br \/><span style=\"font-size: 60%; color: #a1a1a1;\">Avoid Filing for Bankruptcy, Stop Collection Calls<\/style>\n<\/h2>\n<p>Take the opportunity to speak with a credit counsellor and review your monthly budget, including your income, expenses and debt payments. Speaking with a counsellor is free and completely confidential. Your credit counsellor will provide you with information and guidance to help you make an informed decision about your finances.<\/p>\n<p>&nbsp;<\/p>\n<h3>We&#8217;ll show you how to:<\/h3>\n<ul>\n<li>Reduce or eliminate interest charges from credit cards<\/li>\n<li>Repay your debts with one affordable monthly payment<\/li>\n<li>Avoid bankruptcy<\/li>\n<li>Stop collection calls<\/li>\n<li>Start saving for your future<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2021\/01\/talking-with-a-certified-counsellor-related-topics-opt.jpg&#8221; alt=&#8221;A man and a woman speaking with an accredited credit counsellor at his office.&#8221; title_text=&#8221;Talk to a certified credit counsellor.&#8221; _builder_version=&#8221;4.16&#8243; custom_padding_tablet=&#8221;||10px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;off|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||100px|||&#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;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_line_height=&#8221;0.9em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Money Management, Personal Budgeting &amp; Saving Money<\/h3>\n<p>Proper money management doesn&#8217;t involve a magic formula to find more money. It simply means getting the most from the money you do have. We\u2019re happy to help you learn how to do that \u2013 and it\u2019s never too late to start. Contact us now! <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;6 Media Logos &#8211; Green Transparent Bar&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(42,209,61,0.7)&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_slide=&#8221;5%&#8221; module_alignment_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element__hover_enabled=&#8221;off|desktop&#8221; custom_css_main_element__hover=&#8221;transition: 0.9s;&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; 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alt=&#8221;The Credit Counselling Society is often seen in the news media across Canada providing debt, financial, and budgeting advice.&#8221; align=&#8221;center&#8221; src_last_edited=&#8221;off|phone&#8221; admin_label=&#8221;Hover Image &#8211; Description of Logos&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;90%&#8221; max_width_last_edited=&#8221;off|phone&#8221; module_alignment=&#8221;center&#8221; filter_opacity=&#8221;0%&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; global_colors_info=&#8221;{}&#8221; filter_opacity__hover_enabled=&#8221;on|desktop&#8221; filter_opacity__hover=&#8221;100%&#8221; src__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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transform_origin_last_edited=&#8221;on|phone&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; max_width=&#8221;150px&#8221; max_width_tablet=&#8221;122px&#8221; max_width_phone=&#8221;116px&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_tablet=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_phone=&#8221;-25px|0px|-25px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|42px||42px|false|true&#8221; custom_padding_tablet=&#8221;0px|50px||0px|false|false&#8221; custom_padding_phone=&#8221;40px|60px|0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; filter_opacity=&#8221;30%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text content_tablet=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.22.0&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#5b25af&#8221; header_font_size=&#8221;42px&#8221; header_line_height=&#8221;1.3em&#8221; header_2_font=&#8221;Work Sans|600|||||||&#8221; header_2_text_color=&#8221;#5b25af&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; width=&#8221;94%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;|0px|0px|0px|false|true&#8221; custom_padding=&#8221;|0px||89px|true|false&#8221; custom_padding_tablet=&#8221;|||51px|true|false&#8221; custom_padding_phone=&#8221;|||38px|true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; link_option_url=&#8221;https:\/\/nomoredebts.org\/chris&#8221; header_2_font_size_tablet=&#8221;36px&#8221; header_2_font_size_phone=&#8221;&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_line_height_tablet=&#8221;&#8221; header_2_line_height_phone=&#8221;1.1em&#8221; header_2_line_height_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;font-weight: 600;||    font-size: 42px;||    color: #2b2b2b!important;||    line-height: 1.3em;||    text-align: left;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>When I paid off my debt, I felt like I could breathe again<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph&#8221; _builder_version=&#8221;4.16&#8243; transform_translate_linked=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;15px|0px|0px|0px|false|true&#8221; custom_padding=&#8221;0px|89px|0px|89px|true|true&#8221; custom_padding_tablet=&#8221;|0px||51px|true|false&#8221; custom_padding_phone=&#8221;|40px||40px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>I thought I had everything under control, but then when I couldn\u2019t pay my rent and I had to borrow money from a friend, that\u2019s when I knew things were not good. Having a lot of debt feels burdensome. You feel guilty, you feel ashamed. When I was told about credit counselling, I felt hopeful. I found them to be very sympathetic and they listened and they weren\u2019t judging. They were just offering help. When I paid off my debt, I felt I could breathe again. Credit counselling means someone is there to guide you. You are not alone. Reach out. Ask for help.<\/p>\n<p><strong>Chris<\/strong><\/p>\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; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;CTA &#8211; 2 Column w\/form on Purple&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#5b25af&#8221; background_enable_image=&#8221;off&#8221; z_index=&#8221;0&#8243; max_width=&#8221;100%&#8221; min_height=&#8221;901px&#8221; custom_margin=&#8221;-50px|||||&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;220px||120px||false|false&#8221; custom_padding_tablet=&#8221;0px||40px||false|false&#8221; custom_padding_phone=&#8221;0px||30px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; 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text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]Get things back on track.[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;10px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Speak with a non-profit credit counsellor.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;430px&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;25px||25px||false|false&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you\u2019re feeling stressed by your financial situation and are looking for ways to deal with it and get back on track, one of our knowledgeable credit counsellors can help you look into all your options to resolve your situation as quickly as possible. They\u2019ll help you put together a realistic budget and plan that&#8217;s in line with your financial goals. Get the peace of mind you need and speak with us today. You&#8217;ve got nothing to lose but your debt. 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font-weight: 700; font-size: 20px;\">Get Some Help \u2013 It&#8217;s Free<\/pee><!-- [et_pb_line_break_holder] -->      <pee style=\"padding-left: 20px; padding-right: 20px; margin-top: -10px;\">Get a free appointment to explore your options and get back on track.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY BELOW *** <\/note><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->      hbspt.forms.create({<!-- [et_pb_line_break_holder] -->        portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->        formId: \"d9fc5ef3-96fb-4e84-ae29-09eb338855d3\"<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    <\/script><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY ABOVE *** <\/note><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->\/\/ Injects CSS to horizontally align radio buttons and fix jumpy radio buttons \/\/<!-- [et_pb_line_break_holder] -->(function injectStarStyle() {<!-- [et_pb_line_break_holder] -->  const style = document.createElement(\"style\");<!-- [et_pb_line_break_holder] -->  style.innerHTML = `<!-- [et_pb_line_break_holder] -->     \/* Horizontal layout for English\/French radio buttons *\/<!-- [et_pb_line_break_holder] -->    .form-container .hs_preferred_language ul {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      flex-direction: row !important;<!-- [et_pb_line_break_holder] -->      gap: 20px !important;<!-- [et_pb_line_break_holder] -->      padding: 0 !important;<!-- [et_pb_line_break_holder] -->      margin: 0 !important;<!-- [et_pb_line_break_holder] -->      list-style: none !important;<!-- [et_pb_line_break_holder] -->      flex-wrap: wrap !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    \/* Style individual options *\/<!-- [et_pb_line_break_holder] -->    .form-container .hs_preferred_language li {<!-- [et_pb_line_break_holder] -->      display: flex !important;<!-- [et_pb_line_break_holder] -->      align-items: center !important;<!-- [et_pb_line_break_holder] -->      gap: 6px !important;<!-- [et_pb_line_break_holder] -->      font-size: 16px !important;<!-- [et_pb_line_break_holder] -->      color: #fff !important;<!-- [et_pb_line_break_holder] -->      padding-right: 10px !important;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    .form-container .hs_preferred_language input[type=\"radio\"] {<!-- [et_pb_line_break_holder] -->      accent-color: #2ad13d !important; 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One way we do this is through transparency and accountability. 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