While debt consolidation might be your best option when you’re struggling with multiple debts and want a fresh start, here are 4 common mistakes to avoid.

How to Get Out of Debt With Bad Credit Help in Canada By Christi PosnerIf your credit is battered or bruised, help is available without the need for paying high interest rates for a bad credit loan. Experienced credit & debt counsellors can show you how to get out...

Top 5 Reasons Debt Consolidation Loans Applications Are Declined By Christi PosnerWhen people begin to experience financial difficulty, they often look at debt consolidation loans as a way to solve their debt problems. They do this in an effort to lower their interest...

Choose the Right Debt Consolidation Plan for You Are you missing payments on your car lease, skipping credit card due dates, and barely chipping away at your line of credit — all at the same time? If you’re having trouble juggling multiple debts, you might decide that...

What You Should Know Before Consolidating Your Debt Q: I have a question about debt consolidation. With all the bad news lately about people losing their jobs and how much debt we’re all carrying, I know I need to get my debt under control for good. The problem is...

The Dangers of Different Types of Consolidation Loans by Mark Kalinowski As long time Credit Counsellors will tell you – the best option to address debt is one that is affordable, and that least impacts your credit in a negative way. With this in mind, Counsellors...

Before You Get Debt Help, Should You Use a Debt Ratio, Debt-to-Equity Ratio, or Debt Calculator? When you need debt help, a debt calculator that illustrates various repayment scenarios, along with how much time each one takes and how much each one will cost, can help...

Interest Rates for Debt Management Programs Debt Management Program interest rates are lower than credit card interest rates and in some cases, they are completely removed. This is one advantage of working with a reputable non-profit credit counseling organization,...

How Does Debt Consolidation Work? By Debra Pangestu Keeping up with different debt obligations is a common struggle for many Canadians, and if you’re trying to get your head above water, sometimes understanding how debt consolidation works could be the first step...

Consolidating Credit Payments, Solutions and Counselling Services - Form an Alliance With Us to Take Care of Your Debt Credit counselling services and consolidated debt management programs will help you avoid bankruptcy and achieve total debt freedom. Have you been...

Top 5 Solutions When You Are Declined for a Debt Consolidation Loan In our last article we laid out the top five reasons why people are usually declined for a debt consolidation loan. When someone is declined for a loan, they often look for other options or for what...

Objective Non-Profit Options & Debt Consolidation Advice in Canada If you've been declined for a debt consolidation loan and are struggling to keep up with your bills, don't let stress and worry get to you. A Canadian non-profit service can help you. An...

Debt Consolidation Review Canada | What is Debt Consolidation? Put simply, debt consolidation can be broken up into two words in order to give the most accurate definition. To “consolidate” means to “put things together.” In terms of consolidating debt, it means...

How to Choose the Right Debt Consolidation Option Choosing the right alternative out of the many debt consolidation options can be difficult, especially given how stressful it is to deal with debt to begin with. You want more than just a quick-fix. You need a debt...

What is a Debt Consolidation Loan? You have heard the term, but may still wonder what is a debt consolidation loan exactly? A debt consolidation loan is when you borrow money to pay off other debts. For instance, you may owe money on a few different credit cards, on...

Common Debts People Are Looking to Consolidate To get by during a difficult time, or to make ends meet, people rely on many different types of credit. They use their line of credit to pay off their credit cards or they use their overdraft to pay for living expenses....

Credit Card Debt Consolidation With a Low Interest Credit Card Is this method of consolidating debts a good idea? If you are considering using a credit card as a debt consolidation option here is what you need to know. A low interest credit card often comes with...

What are the Dangers of Using a Line of Credit or Bank Overdraft to Consolidate Debts? Using your line of credit for debt consolidation or your bank account overdraft are two of many ways to consolidate debt. They are revolving forms of credit, which means that you...

Using Home Equity to Consolidate Debts | Refinance Your Home or Get a Second Mortgage What does it Mean to Use the Equity in Your Home to Pay Off Your Debts? Very simply, home equity is what’s left when you subtract what you owe on your mortgage from what your home is...

Consolidate and Settle Debt by Filing a Consumer Proposal What Exactly is a Consumer Proposal? A Consumer Proposal is a legal process, that can be used to deal with your debts when you don't qualify for a debt consolidation loan, a debt management or debt repayment...

Borrow Money From Family and Friends - Debt Consolidation What to do if friends and family are willing to help, is it even a good idea? You may be considering borrowing money from family and friends to consolidate debt. No one likes to see a friend or family member...

Debt Consolidation Company Reviews - Why Should You Trust the Credit Counselling Society? We at the Credit Counselling Society ( nomoredebts.org ), understand the importance of earning great credit counselling company reviews. 98% of our clients would recommend our...