Quebec Debt Consolidation
More than a Debt Consolidation Company – We Offer Objective Non-Profit Options & Advice
Have you tried to get a debt consolidation loan in Quebec but the bank and the consolidation companies you spoke to weren’t able to help? Don’t let stress and worry get you down. We can help you.
We’ll Help You Find the Right Option – Solutions for Problems with Debt Consolidation Loans, Credit Cards or Bad Credit
You have options. One of our experienced, certified debt counsellors can help you take an objective look at your situation and show you the various options available to you—regardless of whether hitting your credit card limits, bad credit or other challenges have hindered you from finding a debt consolidation loan. They can then help you figure out the best choice: one which makes the most sense for your goals.
We Can Help You Get Your Finances Back on Track, Save Money and Pay Off Debt
Our experienced counsellors can help you get going right away with a solid plan to:
- Carefully look at all your debt consolidation options to address your debt and get your finances back on track
- Effectively handle your bills and living expenses
- Repay your debts with one manageable monthly payment
- Save yourself thousands 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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.Our Clients Sharing Their Experiences in the News Media
At times, the news media will talk to individuals we’ve helped who are comfortable sharing their experience with us in public. Below are three of these stories.
You can check out even more of the Credit Counselling Society in the news.
Providing Quebec’s Best Non-Profit Consumer Debt Consolidation Programs, Credit Counseling Services, and Interest Relief
As a registered non-profit organization, the Credit Counselling Society has been providing debt payment consolidation help and guidance to help people learn how to manage their debt and money better since 1996. Over this time, the society has earned the Better Business Bureau’s highest possible rating of A+ and has been designated as an Accredited organization.
Our unwavering commitment to provide Canadians with the best credit counselling and debt relief service has not only resulted in many awards for exceptional service, but more importantly 98% of our clients surveyed report they would recommend our services to family and friends.
Please call if you wish to learn more or want to set up an appointment with one of our counsellors. These appointments are completely free, non-judgmental, and confidential. Call us at 1-888-527-8999.
It’s Okay to Ask for Help with Debt
“Life just happened. My debt got to the point where I started to feel like I was drowning. I didn’t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay – a lot of work – but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.”
– Yasmine
Find Out More About the Debt Consolidation Options that May Be Available to You
If you would like to look into this some more before you talk to anyone, feel free to check out the 8 most common ways to consolidate debt in Canada.
When you are ready to talk with someone about your consolidated credit and repayment options in Quebec, you can speak with us by phone, email, online chat, or in person at one of our local offices.
We also help people who think they may need to go bankrupt explore all their alternatives to bankruptcy that are available in Quebec to see if there is another less drastic way to get out of debt and back on track.
Communities We Serve in Quebec
Montreal | Quebec City | Gatineau | Sherbrooke | Trois-Rivières | Saguenay | Chicoutimi | Jonquière | Saint-Jean-sur-Richelieu | Laval | Longueuil | Terrebonne | Brossard | Repentigny | Saint-Jérôme | Blainville | Mirabel | Dollard-des-Ormeaux | Châteauguay | Drummondville | Granby | Beloeil | Saint-Hyacinthe | Shawinigan | Joliette | Victoriaville | Salaberry-de-Valleyfield | Rimouski | Sorel | Alma | Saint-Georges | Val-d’Or | Rouyn-Noranda | Buckingham | Sept-Îles | Hudson | Thetford Mines | Magog | Varennes | Rivière-du-Loup | Les Coteaux | L’Assomption | Port-Alfred-Bagotville | Dolbeau | Hauterive | Cowansville | Matane | Lachute | Sainte-Anne-des-Plaines | Lavaltrie | Sainte-Marie | Baie-Comeau | La Tuque | Amos | Montmagny | Roberval | Marieville | Laurentides | L’Épiphanie | Donnacona | Asbestos | Saint-Félicien | Coaticook | Plessisville | Chibougamau | La Sarre | Saint-Sauveur-des-Monts | Farnham | Sainte-Agathe-des-Monts | Mont-Laurier | Pont-Rouge | Saint-Augustin | Mont-Joli | Beaupré | Port-Cartier | Louiseville | Sainte-Adèle | Windsor | Acton Vale | Saint-Canut | Rawdon | Nicolet | Saint-Rémi | Saint-Jovite | Verchères | Lac-Mégantic | Contrecoeur | Amqui | Baie-Saint-Paul | Berthierville | Sainte-Anne-des-Monts | Waterloo | La Malbaie | Princeville | Maniwaki | La Pocatière | Saint-Césaire | Napierville | East Angus | Sainte-Martine | Beauceville | Lac-Alouette | Saint-Raymond | Trois-Pistoles | Saint-Joseph-de-Beauce | Warwick
Putting Your Interests First
In everything we do, our goal is to always put the interests of consumers first and do what is best for them. Two important ways we pursue this is through transparency and accountability. We are held accountable to the highest and most demanding standards in our industry.