Credit Counselling

My mother in law is a senior and is in debt by $ 11,000 a month but just does not see the end of her debt! Under credit counselling would she have to give up her credit card if she goes through this! And if so would it not be as wise to go to [...]

Is there a “time limit” or “time line” during the course of a Bankruptcy, in which the bankrupt must complete the two counselling sessions as required under the Act, or is it a matter of completing the two sessions at some point throughout the bankruptcy proceedings prior to bringing an application for a discharge. Posted [...]

hello my question is this one. im from argentina but im living in canada as a citizen but i have problems with my credit card for about a year now a Collection Agency is taking me to court but i have no job in canada my only income is from my office in argentina but [...]

I owe about 55,000$ on my line of credit and roughly 25,000$ in credit cards and loans- excluding student loans and mortgage. Just to be up to date with these payments I would need a lump sum of about 7,500$ which I do not have as I already went through all my savings to try [...]

We have to give back the motorhome to the bank. We have paid over $80,000 to the bank and still ower $130,000. If they seize it and sell it for $75,000 do we still have to pay the remaining loan out and who dictates hiow high the payments are. Can they take our home and [...]

Is credit counselling a last resport if your bank refuses to help consolidate debts? or can it be accessed at anytime? I have old debts that have gone to credit bureau. I have asked credit bureau if I pay off these old debts through my bank will it help or hinder my credit rating? her [...]

I need to talk to someone in regards to my credit cards. My husband has bailed me out many times and I keep on doing this. it is a sickness for me and i realize,now Im loosing my husband over this.I need help,its just like being an alcoholic,but is me spending on nothing and now [...]

Just a clarification. I understand the “for profit” guys. How do not for profit companies / counselling agencies get paid or survive? Posted from: Ontario

I am currently right on the verge of a consumer proposal and have consulted with a couple of organizations regarding this. I have particularly been speaking with an organization called XXXXXXXXX consulting, and about to sign a contract with them. What experiences have you heard about these services, more specifically, this organization. Other than the [...]

I have recently within the last year been doing credit councelling with all my credit cards but 1 that would’t join the program, I have not been able to come to an agreement on the re-payment schedual so now they have demanded full balance in 21 days or they will force the sale of my [...]