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Our Clients
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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:
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confidential financial counselling
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education and information on money management
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a consumer repayment plan
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information on how to make your own repayment proposal to your creditors
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intervention and mediation to help you resolve debt concerns
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referrals to other agencies and services as needed
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bankruptcy counselling
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employee assistance programs
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community education
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Question:
My stepson wants to go to university in Toronto and I am concerned about the enormous debt he will accrue with the cost of living in Toronto. I have been there myself and learned the hard way. Can I set up an appt for him to review the numbers with a credit counsellor? We can only afford a certain amount towards his education and he will have to come up with the rest. How long will it take him to save what he needs? What are some of his options? |
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Answer:
You can make an appointment and we can look at your numbers and try to provide some guidance. Call us at 519-743-6333 and ask for Credit Counselling.
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Question:
Is 4Pillars legitimate? |
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Answer:
Yes, however, I would suggest that you be very aware of the contents of any contracts you are asked to sign, unless you feel fully confident of the outcome, etc. Remember, organizations, like 4 Pillars, are for profit. Organizations, like Mosaic, are non-profit.
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Question:
How can you get out of debt when your partner keeps spending on credit? |
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Answer:
You should both come in for a counselling session, and we can provide some guidance. If not, you need to be sure your name is not involved in your partner's debts, otherwise, you are responsible. It is important that both partners in a relationship are on the same page money-wise in order to have a successful life. For a more detailed response, you can call us at 519-743-6333.
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Question:
What happens when you are stuck with phone bills above $1000. |
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Answer:
We would need more detail. Is this a cell phone, and how many phones are there? You need to arrange with the phone company to pay this bill; not all at once, but over a time period. I would then suggest you find out why the bill is that large and put some controls on the phone use. If you are finding that you are struggling to pay your bills, call us at 519-743-6333 and we can discuss your situation and explore your options.
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Question:
We have credit cards which are maxed out and are just able to make all payments including the mortgage, my wife had to give up her job and we have lost that income. Can Mosaic help? |
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Answer:
We would be happy to try to help you. Call us at 519-743-6333 and we can discuss your situation and explore your options.
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