Credit Counselling
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Credit Counselling

 

Over your credit limit? Missing monthly payments? If you're worried about money, whatever the reason, credit counselling services can help. The only not-for-profit of its kind in the region, offers no fee services.

  • confidential financial counselling
  • consumer repayment planning
  • employee assistance programs
  • all people and all denominations welcome

We're here to help. Call 519-743-6333 for more information.

 

YOUR FINANCES ARE WITHIN REACH!

 

 
Ask a Credit Counsellor!
Question:
I am $17,000 in debt, my husband lost his job 5 months ago, we have 3 boys to feed and a mortgage. I have a meeting with Ontario Debt; their site looked good. Do you know who they are? Is this a wise choice?

Answer:

I would suggest you see us first, as we are non profit and will not charge you any fee to provide you with options.

Question:
Do you offer other types of financial counselling in addition to credit? Could you help to make a budget and figure out how much rent I could afford?

Answer:

Yes, we can go over your income and expenses and provide guidance re the rent etc.

Question:
I changed jobs 2 years ago and had to move to the city. I kept my bills mostly caught up for the first 6 months but with paying rent here and my other expenses I fell behind. Then I was audited and the government guaranteed my pay, taking $400 each pay for the past 9 or 10 months. This made it impossible for me to pay my creditors. I owe 2 credit cards and HSBC Finance. I borrowed from HSBC almost $7000 amost 7 years ago, paying them $270 evey month until a year ago, yet I still owed them over $6,000.00!!! Now they say I owe them $8000!! HOw can I get rid of that loan and consolidate my 2 credit card bills to make it affordable, or should I just give up and file bankruptcy. If I file bankruptcy, will I lose my car (pay monthly for it)?

Answer:

The details of your situation are somewhat involved, and you would need to speak with a credit counsellor to obtain the guidance you need. If you are in the Kitchener area call our office. If not, call us anyway and we can direct you to your local non profit counselling agency.  519-743-6333 

Question:
I have debt in the amount of $30000, but I'm on employment insurance and cannot seem to get a consolidation loan to ease the payments. What can I do?

Answer:

Depending on whether you own a house or not, you may consider bankruptcy, but I would need more details to give you a final answer. If you can call us at 519-743-6333 and provide a few details, a credit counsellor can provide you with a better idea of what to do. 

Question:
I have been served papers over a credit card issue; what do I do next? It says I have 20 days to respond can you help with this?

Answer:

Immediately call the Small Claims Court, or visit the court office and offer a payment plan to the people who are suing you.

Submit a Question