Credit Counsellors in Canada

Credit counsellors in Canada. Eliminate your unsecured debt.

Are you in debt and don’t know where to turn? Have you been declined for a debt consolidation loan?. Do you have bill collectors calling? If you answer yes to any of these questions we may be able to help you. Credit counselling is a form of canadian debt consolidation that almost all Canadians can qualify for. As long as you have debt and a steady source of income we can help you.

Credit counselling is the #1 alternative for Canadian debt management loans and bankruptcy. There is no loan so credit bureaus are not taken into consideration. It is a very fast, simple, and effective way to eliminate your debt. We can help lower monthly payments as well as reduce those high interest rates. In actuality we can eliminate almost all future interest charges from a great number of credit granting agencies.

If you are in debt and need help contact us today and let an experienced counsellor show you a plan that will help eliminate your debt within 55 months. Contact us now!

Helpful tips when dealing with collectors:

When dealing with collectors they will often pressure you to pay the debt immediately. They may even tell you that you have to pay your debt by a certain day or else they will take some sort of action. This is a scare tactic to get you to pay the debt as fast as you can. The truth to the matter is you don’t have to. You are entitled to a monthly repayment just as if it was a loan through the bank.

Collectors will often call you at work to try and settle the debt. This is actually illegal. By law collectors are allowed to contact your place of employment once to verify employment and anything above and beyond that is not permitted under the debt collection act. If you have a collector calling your place of employment simply state that they are not to be calling you at work and provide them with an alternative number.

Collectors are bound to the rules and regulations of the debt collection act. Any condescending or derogatory behaviour is not permitted by the act. If a collector is being belligerent, rude, or unreasonable simply ask him/her for their license number. The license number of their organization and file a complaint with the governing body. By law a collector must give you their license number if asked for. Often times they will tell you they are not required to but this is simply untrue.

Collectors cannot refuse payment on a debt. If you have a collection agent that is unwilling to make a financial arrangement with you simply get the address of the company and start sending payments. Collectors must post the payments to your accounts and are limited to the means they have to collect. As long as you are making monthly payments you have the upper hand.

If you are having trouble with collection agents simply call our toll free number or contact us.

Credit Counsellors