3. A Local Non-Profit Credit Counsellor
If you’re really struggling with your debt and really need to consolidate, get a break on the interest – or something – and no one seems to be able to help you – or offer you “help” that makes sense – you should speak with a non-profit Credit Counsellor. Most of them are trained specialists in helping people find workable solutions that will fit their budget and help them pay off their debt in a reasonable time-frame. Talking to a Credit Counsellor won’t hurt your credit, it’s completely confidential, and is usually free or offered at a very low cost. A Credit Counsellor will go over your whole financial situation with you and then help you explore your options. If their Debt Management Program or another form of debt relief is a viable option for you, they’ll let you know about it and how it works. A lot of the time, though, there are lots of other ways people can tackle their debt and pay it off on their own. They just need an expert to help them put together a realistic budget, a sensible plan, and a bit of coaching. If a Credit Counsellor thinks a debt consolidation loan may be a realist option for you, they’ll refer you to the right place. If you’d like to speak with Credit Counsellor near you, give us a call and we’ll put you in touch with someone.