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Credit Counseling Services, Canada Guide – COVID 2022

Are you feeling the burden of having a huge debt? Are you unsure of what to do to get back on track and control your finances? If you are looking for a solution to eliminate your debt, credit counseling can help you find the answers to your questions. We will break down what credit counseling services are and how it works in Canada.

Know more about us and what we can do by clicking on the button below…

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Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

Credit Counselling Service

Credit counseling is a process or program to help debtors gain financial education, budgeting, and guidance to reduce and eliminate debt.

If you are having trouble paying your debt or have experienced an unexpected financial downshift due to COVID, you may want to talk to a Credit Counselling agency to help you fix things up. There are generally no qualifications to take on a credit counseling service in Canada.

A Credit Counselling agency can help you with 3 major services:

1. Personal Counselling (One-on-one)

2. Seminars on budgeting, how to use a credit card wisely, and more financial educational tips.

3. Debt Relief programs

Easy 3 Steps Process

Finding the Best Credit Counselling Service

Both non-profit organizations and for-profit organizations offer credit counseling services to help Canadians handle or manage their debt wisely.

1. Do Your Research

A reputable organization must have good standing at a provincial or a national level, as most associations require members to maintain a specific standard of practice.

To check if there are complaints raised against a certain agency, check the below links:

 

It is also smart to look into how they are advertising their services. Some of the companies may claim the following:

  1. Can quickly resolve your debt problems and just pay a fraction of it.
  2. Will fix your credit score fast.

2. Know the Service Costs

It’s your obligation to know the service costs of a credit counseling service, know if they offer a free consultation, the types of services they offer, a concrete proposal of how they will go about helping you eliminate debt in a document format, do they provide support to help you manage finances, and are they going to provide a monthly statement of account to prove that the payments are being allocated to your creditors as discussed.

Credit Counselling FAQ

1. How long does it take to be debt-free when using credit counseling services?

It depends on each individual’s situation. The factors that affect the length or duration of the programs are the amount you owe, the schedule of payments you have agreed with your credit counselor, and the number of interests your creditor is willing to reduce.

2. Does credit counseling affect my credit rating?

Your credit rating has been damaged by missing your debt payments already, and going to a credit counseling company to consult your options won’t affect your credit score. But keep in mind, entering into a debt settlement or debt management might affect your credit in a way.

3. Does Credit Counselling Service help me stop Creditors from chasing me?

A credit counseling agency can work on your behalf. They will be the ones to discuss your debt repayments with your creditors so you can sit back and have peace of mind.

4. How does credit counseling service help me get out of debt?

Credit Counsellors will help you create a personalized debt repayment plan to propose to your creditors. This debt management program will be based on your capacity to sustain long term reasonable payment. Once your program starts, your creditors will stop contacting you, and the interests of your old debts will stop accumulating.

Review Your Options

Everyone’s financial situation is unique. Before jumping into a conclusion and deciding, it is best to talk to different sources to learn how they will help you get out of a sticky situation.

Your decision must be based on the following:

  • How much debt will be repaired or eliminated.
  • What are the types of debt that will be included in a debt relief program.
  • The duration of your debt repayment.
  • How much your monthly amortization will be.
  • The consequences you might face when you fail to pay the monthly agreed amount.
  • Will this stop collection calls.
  • Are your assets safe.
  • What are the service fees and how much will it cost?

Compare your options from each company offering you a debt settlement or debt management program and decide which is the best option that suits your budget.

We at National Debt Relief Services work for you, not for any creditors, therefore you are assured that the debt management program we will be creating is in your favor, and can guarantee efficiency.

Click on the below button to get started now and take advantage of our Free Consultation. We understand COVID is still a threat, don’t worry you don’t need to leave your home to discuss your options. Our free consultation can be done through phone call or zoom.

Our Clients 5-Star Reviews

Shauna Cormier
Shauna Cormier
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“Wow! Where to even start!? I’ve had the pleasure dealing with Suma, such an amazing young women, not only is she professional, but she makes you feel comfortable and helps you with all your needs and questions!!! I have nothing, but good to say about how she helped me out, I felt like I was drowning in debt, and now I’m going to sleep well at night knowing I can afford everything!!! I can’t thank her enough, and highly recommend speaking with her! All in the comfort of your own home❤️ Stay safe everyone!”
Jamie Erickson
Jamie Erickson
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“Lori was very professional and clear in helping me out with my debt issues. I would highly recommend her services to help yourself in coming up with a plan to ease your debts and take your stress away. Thank you Lori Wock.”
Chris V
Chris V
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I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.
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Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

No contact details required to find out if you qualify

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Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.

SEE IF YOU QUALIFY TO:

No contact details required to find out if you qualify

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We donate $1 for every consultation.

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.

 

This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

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See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
20/09/2020
Verified
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
18/09/2020
Verified
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
18/09/2020
Verified
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
18/09/2020
Verified
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
18/09/2020
Verified
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
18/09/2020
Verified
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
18/09/2020
Verified
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
17/09/2020
Verified
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
17/09/2020
Verified
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
17/09/2020
Verified
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

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