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Free Debt Consolidation
No contact details required to find out if you qualify
Debt not only affects our financial health, but also our physical and emotional health – which is why, it is important to understand how to manage this situation to avoid further health and financial damage.
Miss payments and our lenders begin calling, making most people get overwhelmed with fear of legal actions and other actions creditors can execute. If you feel that you have debt-related stress, read this article to know how to deal with debt-stress better.
Know more about us and what we can do by clicking on the button below…
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Stress can happen to anyone to some degree. It is defined as your body’s reaction or response to anything that requires attention or action.
Understanding how stress impacts your well-being is important, especially on your mental and physical health levels.
Signs can be short-term or long-term and can be recognized with the below symptoms:
If you are feeling stressed and anxious about your finances, one of the things you can do is to:
Find out which aspect of your financial condition is causing these worries. Someone may be stressed about an upcoming mortgage payment or a missed payment that led to penalties.
Identifying what causes the problem and recognizing what is triggering this stress gives you an idea as to how you can address the problem.
Consider also looking for options on how you can avoid the same situation and what you can do to stop this from happening again. Some questions to ask yourself:
Are you forgetting to set a reminder about your bill payment?
Are you spending more than what you can afford?
Many people fail to create a budget and financial plan to refer to as their guide. It is important to come up with a plan by creating a budget – this will help you feel in control of your finances and manage your money more efficiently by avoiding the common problem caused by the “unknown” or simply guessing where your financial situation is at.
It is also a great way to partner with your spouse and get her involved in the planning. People get surprised how their spouses have been shouldering the household finances alone. It is important to get on the same page and have a financial goal that you can work on together.
Moving forward, there will be important financial events that you will come across that need complete attention and planning. Do you have an upcoming financial task that you are expecting? Or do you have a plan of applying for a loan to consolidate your debt?
Keep track of these financial items and celebrate your progress as you complete everything, one at a time. Creating too many tasks at a time can cause stress, so better to do it one at a time. This way you can focus your attention and effort on completing one and making it successful.
Some Canadians have prolonged their debts to a certain point; this makes the situation worse and more uncontrollable on their part.
Some of the reasons why people procrastinate on seeking assistance about their debt include:
If you are amongst these people who are overwhelmed about their debts and feel helpless, don’t worry we can help you. We are Canada’s most trusted hardship and debt relief agency that helps hundreds of people every day deal with their debt in the easiest and most efficient way.
We help create a personalized debt consolidation program that includes your Credit Cards, Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans, and Student loans. This government-approved program is designed to eliminate and reduce your debt by up to 75% of the original amount owed. Regain control of your finances by consolidating your debts into a more affordable payment and paying it off in as fast as 24-36 months.
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
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.
SEE IF YOU QUALIFY TO:
No contact details required to find out if you qualify
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.
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