Courtenay Credit Counselling

Are you struggling with your finances but don’t know what your options are? You are not alone. Many Canadians believe that Bankruptcy is the only solution to their debt problems, but did you know there may be other options available to you? Taking the first step towards improving your financial situation can feel stressful. The good news is that there are certified professionals who can help you find the best path forward for your unique financial situation.

Courtenay Credit Counselling

Credit Counselling can help you understand your financial situation and address the root cause of your financial issues, like budgeting issues, credit, money management, or life events beyond your control. Keep reading to learn more about how consumer credit counselling services in Courtenay can help get your financial future back on track.

What Are My Options?

When you run into trouble with debt, it may come as a surprise that personal Bankruptcy is not your only solution. Canadian Credit Counselling can help you identify different paths towards a debt-free life based on your individual situation and needs. Here are just a few ways our certified credit counsellors can help you take back control of your finances:

1. Monthly budgeting: Keeping a monthly budget is an essential part of maintaining healthy finances. But it can be difficult to know where to start. Credit Counselling in Courtenay can help you learn how to budget and stay on track for success. Our credit counsellors can help you find a sustainable budgeting solution that works best for you and your family so you can avoid common pitfalls and stay on track. 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 financial counselling sessions are important for creating a positive financial direction for your future, and can also be helpful for people who have not filed for bankruptcy or a consumer proposal.

Where can I go for financial help in Courtenay? Sign up for a free consultation

No matter what your financial situation looks like, there are always options to explore. If you live in the Comox Valley and are ready to take the first step towards living a debt-free life, 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!