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Credit Counselling Can Provide You With Relief from Debt

Credit counselling

Being in debt is stressful and trying to handle your debt problems on your own is no walk in the park either. But having a credit counselling service to help you sort out your debt problems can make the journey easier. A trained credit counsellor works with you to develop a plan to pay off your debt as quickly as possible. A credit counsellor can negotiate with your lenders to reduce your monthly payments, cut your interest rates, waive penalties and minimize damage to your credit. Your financial goals may seem far away or unreachable but with the right help on your side you can get to where you need to be.

Financial situations are always different from one person to the next and the solutions to our problems will also be different. This is why it is important to speak with a professional to help tailor your unique debt relief plan. Take action and contact a trained credit counsellor to help make your debt burden lighter. Call Consolidated Credit at 1-888-287-8506 for a free consultation or get started online with a request for a Free Debt Analysis.

Ask the Expert

Our resident finance expert, Executive Director Jeffrey Schwartz answers your questions about credit counselling and personal finance in general. As the founder of Consolidated Credit and President of the Credit Association of Greater Toronto (CAGT), Jeff provides valuable insight to address your financial concerns. Read Jeff’s answers to other questions below and send your own questions to AskJeff@ConsolidatedCredit.ca.

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Using a Credit Counselling Service

One of the main reasons for financial distress is when you combine high interest rates with high debt balances. But, the right credit counselling service can help you bring down your balances so you can get back on the right financial track. In this section you will learn about the benefits of enlisting a credit counselling service and how they can help you choose the right debt solution for your unique financial circumstance.

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What Can a Credit Counsellor Do for You

If your financial situation is keeping you up at night, and you don’t know where to turn, a trained credit counsellor can help you turn your finances around. They are experts at helping people like you find the right solution for their debt problems. Credit counsellors provide support and assist you throughout a difficult period. Instead of trying to deal with the stress and handle the financial burden on your own, your credit counsellor can be there to help you along the way.

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Finding the Right Solution with Debt Counselling

Credit counselling is not a one size fits all solution and the key is to find the debt solution that caters to your specific needs. But no matter how different our money woes are, credit counselling can help each individual with their unique situation. Whether you need help with credit card debt, have questions about your credit cards or simply need assistance finding the best way to negotiate with creditors, we can help.

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Using Your Debt-to-Income Ratio to Manage Debt

There is a very important number that determines your overall financial health – your debt to income ratio (DTI). Your DTI can help you find out the extent of your debt and help you decipher if and when you need to seek debt help. Consumers are strongly advised to monitor their personal debt-to-income ratio closely in order to manage their debt levels. In this section you will learn about your DTI ratio and how you can use it to maintain and control your finances.

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Coping with Financial Stress

If you're under financial stress, you may be arguing with your spouse or family members about money, experiencing headaches or panic attacks, hiding bills or receipts from family members, or finding it difficult to sleep at night. Your eating habits may have gone south, and you may find it hard to make it through the day. Use this guide to help you deal with your stress.

We are a proud member of the Canadian Association of Credit Counselling Services (CACCS), the national voice for not-for-profit credit counselling services. As a CACCS member, you can trust that our trained credit counsellors strive to provide the best in professional, independent and unbiased personal finance services. We’ve helped hundreds of thousands of Canadians find relief from debt. Call us today to find out if we can help you.

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Consolidated Credit Counseling of Canada is proud to be a member and support the Toronto Board of Trade. Founded in 1845, the Toronto Board of Trade is Canada’s largest local chamber of commerce. We share their vision, passion and commitment to serving the community and to foster economic and social welfare of the City of Toronto. Call us today and see what we can do for you.

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We are proud members of the Ontario Association of Credit Counseling Services (OACCS). OACCS sets the standard of required expertise for the financial counseling industry and the only organization to offer the exclusive professional designation of Accredited Financial Counsellor Canada (AFCC). With over 500,000 people helped, you can be assured that we can find the right solution for you. Call us today.
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Time tested and customer trusted. Consolidated Credit Counseling Services of Canada, Inc has been a BBB Accredited Business since 2008 and has a current A+ rating.
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