Exeter, Ontario Credit Counselling Society
Free Debt and Credit Help
Credit Counselling Exeter – Struggling to make your minimum payments? Are debt problems affecting your sleep, health, or relationships? We can help put an end to your stress.
Canada’s Leading Non Profit Consumer Credit Counselling & Debt Solutions Service Provider
We are an award winning non-profit consumer credit and debt counselling service providing help with debts, money management, and interest relief to Exeter. Our experienced, professionally trained and certified Counsellors can help you put together a plan to:
- Consolidate your debts in Exeter with one monthly payment
- Get your finances back on track and effectively manage your living expenses
- Stop collection calls
- Save thousands of dollars in interest charges
Discover Your Options
A Visual Overview of Possible Options
Here are some options that may be available to you based on the information you have provided about your financial situation. The most likely options are in green, less likely in yellow, and least likely in red. This is only intended to provide you with a general idea of the options that may be available to you. A credit counsellor will need to go over your information in much more detail to make a more precise determination.0
Option
Do a Deeper Dive to Uncover More Options
It looks as though your situation requires more in-depth analysis from a trained credit counsellor. They can help you optimize your budget, explore options, and create a plan to get back on track.
0
Option
Self-Managed Solution
After thoroughly exploring your options with a credit counsellor, they can help you put together a plan to get out of debt in a reasonable amount of time. You can then implement this plan on your own.
0
Option
Debt Consolidation Loan
Based on the information you've provided, it appears as though this could be a possibility if your credit score is strong enough.
0
Option
Debt Management Program
It appears as though this may be an option for you. A Debt Management Program eliminates or drastically reduces interest and consolidates all payments into one.
0
Option
Consumer Proposal
This may be an option for you to consider. It's a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.
0
Option
Bankruptcy
Based on the information you've entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you've exhausted all other options first.
0
Option
Orderly Payment of Debts
Based on what you've entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.
0
Option
Voluntary Deposit
Based on the information you've provided, it looks as though a voluntary deposit program may be an option to address your debt situation.
0
Bonus Option
Online Workshops
Learn how to improve your financial situation, create a budget, make your dollars stretch further, and get out of debt with one of our many helpful online workshops we call webinars.
More Specifics on How We Can Help You
Get Help Today
Give us a call to speak with one of our credit counsellors at 1-888-527-8999, or if you'd like us to contact you instead, please fill out the form below.People We Helped Interviewed by the News Media
At times, the news media will interview one of the people we helped who are comfortable sharing their story with the public. Below are three of these stories.
Offering Free Consumer Debt & Credit Counselling Services for Over 25 Years
With 98% of clients surveyed reporting they would recommend our services to others,
There’s Life Beyond Debt for Everyone
“When debts became a problem, I felt very overwhelmed – like I could not see the end of the tunnel. Picking up the phone felt like lifting a 10 pound rock, but they were very cheerful on the other end of the line. I came in, discussed my situation in privacy, and instantly got relief knowing I was in good hands.”
– Delores
More Info About the Credit Counselling Society & Our Approach
We’ve offered non profit consumer credit counselling for well over 25 years. 95% of Canadians who get in touch with us are often helped without being charged a cent. People only choose to pay for our help if they decide to go on our Debt Management Program. This consolidates each one of someone’s credit card and other unsecured debt payments into a single monthly payment that they can afford. The program either eliminates all credit card interest rates or drastically reduces them. Although this is a valuable program that eliminates debt, allows someone to re-establish their credit, protects their privacy, and gets their finances back in order as fast as possible, it’s just one of a number of ways that we’re able to help people.
We believe that the best debt consolidation or debt help is an option that allows someone to get back on track as quickly as possible while helping them achieve their long-term financial goals. Unfortunately, our approach is at odds with the way some commission driven financial counselors, debt advisors, credit consultants, and credit advisors out there operate, but we believe that when someone is struggling financially, you need to look at all their options and focus on what’s going to help them the most in the long run. For this reason we don’t pay our staff commission – only a salary. To also ensure our organization operates at the highest ethical standards and follows best practices, we have chosen to join, submit ourselves to audits by, and are accountable to Credit Counselling Canada and the National Foundation for Credit Counseling. We are also accountable to a volunteer board of directors, the Canada Revenue Agency, and are the only agency in our industry to open its books up to an external auditor annually. When it comes to earning and keeping your trust, we believe that maintaining the highest standards of transparency and accountability are paramount.
To benefit from one of our highly trained credit and debt counsellors having a look at your financial circumstances and working with you to see your choices for getting things back on track, give us a call now at 1-888-527-8999. Our help is free, confidential, and non-judgmental. The only thing you’ve got to lose is your debt.
The Credit Counselling Society also provides alternatives to bankruptcy in Exeter, Ontario.
Putting Your Interests First
Our goal is to always put consumers first and look out for their best interests in everything we do. One way we do this is through transparency and accountability. We are held accountable to the most rigorous standards in our industry.
