| |
|
|
|
|
|
|
|
|
Our Clients
 |
Each year, thousands of people are faced with financial hardships arising from extenuating circumstances - job layoffs, illness, marital separation, lack of money management education and overuse of credit.
When expenses and monthly debts become more than you can handle, you should know that help is readily available. |
Credit Counselling Services include:
-
confidential financial counselling
-
education and information on money management
-
a consumer repayment plan
-
information on how to make your own repayment proposal to your creditors
-
intervention and mediation to help you resolve debt concerns
-
referrals to other agencies and services as needed
-
bankruptcy counselling
-
employee assistance programs
-
community education
|
|
| |
|
| | |
Question:
Does a small claims judgement against me affect OSAP? Can declaring bankruptcy wipe out the judgement against me? |
|
|
Answer:
The judgement should not affect OSAP as it has no real connection.
|
|
Question:
My concern is my credit card debt. What can I do about it? |
|
|
Answer:
This is a difficult question to answer without more details. Please provide information regarding the amount of your debt, your income, whether you own or rent your residence, etc. You can also give us a call at 519-743-6333 for more assistance.
|
|
Question:
I am concerned that dealing with my debt will affect my eligability for OSAP. |
|
|
Answer:
How your debt will affect your eligibility for OSAP will depend on a number of things...
|
|
Question:
My common law husband has a private debt history that has not seemed to have gotten better, even when I bailed him out last year and am paying a two year loan for him to help. Who can I talk to? Who can we talk to in order to bring things out in the open? |
|
|
Answer:
First of all, you need to obtain your credit bureau reports and see what is actually showing as negative information.
|
|
Question:
I cannot maintain any cash flow. My debt has escalulated immensely. I have no choice but to declare bankruptcy. What are my options? |
|
|
Answer:
Call us and, if appropriate, we can refer you to a bankruptcy trustee.
|
| | |
|
|
|
|
|
| |
|
