FAQ Section

Q. How much does it cost to see a Credit Counsellor? 

There is no charge to talk to one of our Certified Credit Counsellors!  If you decide to enter into our Debt Management Program there is a minimal administration fee and monthly maintenance fee.

Q. Do you loan money? 

We are not a financial institution and therefore we do not loan money.  We can however, assist you with one convenient payment for your debts if you enter into our Debt Management Program.  You will not be borrowing additional money to pay your debts. 

Q. How long does it take to become debt free?

This depends on your personal financial situation and credit problems.  Visit one of our Certified Credit Counsellors for a free financial assessment.  They can assist you in setting goals to become debt free.  If you enter into our Debt Management Program you will typically pay off your debt in 48 to 60 months or less. 

Q. Can you talk with my creditors? 

Yes!  We can talk to your creditors for you or provide you with tips on how to deal with your creditors yourself.

 
Q. Are your programs confidential?

Yes!  We respect your privacy.

Q.   Will you take my credit cards?

We have a number of options for you to consider.  Some options may require you to give up the use of your credit cards i.e. our Debt Management Program. We can assist you to reapply for credit cards upon completion of your program.  

Q. Can I access your services over the phone? 

YES!  Call us to talk with one of our certified Credit Counsellors.  Local calls 684-1880 or toll free at 1-888-204-2221.  No appointment is required on Mondays, Wednesdays or Fridays.

Q.  Will I loose my house and car?

In most circumstances you will not loose your assets.