Credit Counselling
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Credit Counselling

 

Over your credit limit? Missing monthly payments? If you're worried about money, whatever the reason, credit counselling services can help. The only not-for-profit of its kind in the region, offers no fee services.

  • confidential financial counselling
  • consumer repayment planning
  • employee assistance programs
  • all people and all denominations welcome

We're here to help. Call 519-743-6333 for more information.

 

YOUR FINANCES ARE WITHIN REACH!

 

 
Ask a Credit Counsellor!
Question:
I am just about to be discharged from a bankruptcy which was the result of bad credit management by myself and my ex-husband's need to continually 'buy, buy, buy' bigger and better stuff, trips and help his family cottage out. My legal fees for our separation are around $5K, and I have a small amount of 'other' debt incidentals adding up to around $500. I'm concerned because my income is not that high and I need a way to slowly pay all the newly accumulated debt without further damaging or prolonging my bad debt history...Please help!

Answer:

Your situation is a little too complex to address on-line.

Question:
Does a small claims judgement against me affect OSAP? Can declaring bankruptcy wipe out the judgement against me?

Answer:

The judgement should not affect OSAP as it has no real connection.

Question:
My concern is my credit card debt. What can I do about it?

Answer:

This is a difficult question to answer without more details. Please provide information regarding the amount of your debt, your income, whether you own or rent your residence, etc. You can also give us a call at 519-743-6333 for more assistance.

Question:
I am concerned that dealing with my debt will affect my eligability for OSAP.

Answer:

How your debt will affect your eligibility for OSAP will depend on a number of things...

Question:
My common law husband has a private debt history that has not seemed to have gotten better, even when I bailed him out last year and am paying a two year loan for him to help. Who can I talk to? Who can we talk to in order to bring things out in the open?

Answer:

First of all, you need to obtain your credit bureau reports and see what is actually showing as negative information.

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