Campbell River Credit Counselling

Are you struggling with your finances but aren’t sure if you’re ready to file for Bankruptcy? You are not alone. Thousands of Canadians struggle with their finances for a variety of reasons. The good news is that you don’t have to wait until it’s too late to get help. Credit counselling is a great option to consider if you don’t need a formal course of action like Bankruptcy.

Our certified credit counsellors can help you understand your financial situation. Together you can uncover the root cause of your financial problems, like budgeting, credit, money management, or life events beyond your control. Keep reading to learn more about how credit counselling in Campbell River can help you regain control of your financial future.

What are my Options?

Unlike formal debt solutions, like personal Bankruptcy or a Consumer Proposal, credit counselling provides many different options based on your unique situation and needs. Here are just some of the ways we can help you get back on track:

1. Monthly Budgeting

Having a monthly budget is the most important thing you can do to keep healthy finances. But if you’re new to budgeting, knowing where to start can be hard. Credit counsellors can help you learn how to start a budget. There are many different ways to make a monthly budget. We can help you find a budgeting solution that works best for you and your family so you can avoid common pitfalls and stay on course. Learning how to budget takes some time and effort, but you will be glad you did!

2. Informal Arrangements

Do you have debt collectors who won’t leave you alone? If you haven’t reached the point where you need to use a formal solution, like filing for Bankruptcy, sometimes you can make an informal agreement with your creditors instead. Our credit counsellors can help you explore alternative options to managing your debt, like structured monthly payments to your creditors.

3. Financial Counselling

If you file for Bankruptcy or a Consumer Proposal, you are required to take 2 financial counselling sessions. At these sessions, you will meet with a credit counsellor to discuss topics like using credit and money management tools. This is also an important time to look at factors unrelated to money that may have added to your financial challenges. These counselling sessions are important for creating a positive financial direction for your future, and can also be helpful even if you haven’t filed a Bankruptcy or a Consumer Proposal.

Interested in Credit Counselling in Campbell River? Sign up for a free consultation

If you live in Campbell River and think credit counselling might be a good choice for you, we encourage you to reach out to our office for a free and confidential consultation. There has never been a better time than now to take back control of your finances!