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How to Manage and Overcome Major Debt Problems in Canada
Debt problems can creep into anyone’s life in Canada, and the one thing they often seem to have in common is the massive anxiety, stress, and worry that they tend to cause. If you’re ready to deal with your problem with debt, we can help you find the right solution for your situation so that you can sleep again and not have to agonize about your bills and financial issues anymore.
How to Overcome Your Debt Problems
When you’re considering how to overcome serious debt problems in Canada, the best way is to tackle them sooner than later. Waiting and hoping that things will get better means that you will probably end up with less options available to you in the future.
If you’re not sure what to do or where to start and you’d like some guidance or information, feel free to call us or anonymously chat with us online. We’re happy to answer your questions or help you make an appointment to speak with one of our accredited Counsellors confidentially. There is never any charge for our appointments, and we don’t obligate you anything.
Our helpful, professional Credit & Debt Counsellors will guide you on the path to getting your finances back on track with a practical plan that is broken down into realistic steps. Here is what they will likely help you with:
- Creating a budget to manage all of your debts and household bills
- Showing you steps that you take right away to start dealing with your debts
- Discussing options that will help you pay off your debts or find alternatives to bankruptcy if you can’t afford to pay back all of what you owe
Warning Signs for Serious Debt Problems that Require Attention
Sometimes your situation will improve and you’ll be able to get back on track without anyone else’s help. But if you’ve been struggling for over a year with your debt issues, look out for these warning signs that you might have a more serious debt problem.
To figure out if you need some assistance to get your debts back on track, ask yourself:
- Is debt stress making it more difficult to deal with everyday life?
- Do you notice that you are no longer getting ahead simply making minimum payments?
- Have you been declined for a debt consolidation loan?
- Do you depend on your credit cards, line of credit, or overdraft to make ends meet each month?
- Are you on the receiving end of collection calls or letters?
- Are you embarrassed by your financial situation?
- Are you having trouble sleeping because of money worries?
If you answered “yes” to any of these questions about the signs of debt problems, then you most likely need help to eliminate your debts and get your finances back on track. Speak with one of our Credit & Debt Counselors today.
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Options and Solutions for Debt Problems
Worrying about money and debt problems can literally make you sick from all the stress. But in addition to worrying about their money, we’ve found that many people come to us afraid of what might happen to them.
Helping you work through various options and solutions for your debt challenges is only part of the help we provide. We also want to make the time to answer any questions you may have about money management, credit, and debt issues so you can make an informed choice about what to do and how you would like to deal with your debt problems.
Feel free to use the phone, anonymous online chat, or email to ask us your questions or to make an appointment to talk with one of our Debt Counsellors. Appointments with the Credit Counselling Society’s Counsellors are available in person or over the phone and are always free, non-judgmental, and completely confidential.
Extra Information About How to Manage, Fix, and Overcome Debt Problems in Canada
If your looking to learn more on your own, here’s some more information on some of the subjects we receive a lot of questions about from
Canadians who are trying to find out how to manage and fix their debt problems to get them under control.
- 12 of the Quickest and Most Effective Ways to Pay Down Debt
- How to Obtain Credit Card Debt Relief in Canada
- Credit Ratings and Credit Reporting
- How to Choose a Reputable Credit Counseling Organization
- What to Do About Collection Letters and Calls
- Debt Consolidation Loans and What to Do if You Get Turned Down in Canada
- Different Options Than Going Bankrupt in Canada
- Debt Management Programs
Contact us now at 1-888-527-8999 and we’d be happy to answer your questions or refer you to someone who can provide you with the specific advice or solution you may need.
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Are you curious about what credit counselling is or how it works? Here’s what you need to know.
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Getting Rid of Debt
We’re happy to help you figure out your options. There are more than you might think.