Debt Help & Credit Counselling in Sarnia, Ontario

Sarnia, Ontario Debt Help Services

If you’re looking for debt help & credit counselling services in Sarnia, Ontario then Bankruptcy Canada are your first port of call every time.

Helping to guide people in the right direction since 1999, we are partnered with over 400 local and Licensed Insolvency Trustees (LIT) who strive to assist you in becoming free from debt.

Through their guidance, you’ll be able to find the best debt relief solution, whether that be filing for bankruptcy, a consumer proposal or creating a debt management plan through credit counselling services.

If you’re frequently getting harassed by debt collectors, are facing wage garnishments or are looking for a low-cost alternative to get out of debt, then look no further than our Sarnia-based trustees.

Need Help Reviewing Your Financial Situation?
Contact a Licensed Trustee for a Free Debt Relief Evaluation

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What’s the Credit Counselling Process? 

After contacting them, an initial consultation will be arranged in which your financial situation will be reviewed.

Looking into your debts and what your repayment budget could be, a plan is created to successfully repay your creditors.

As part of this, consolidation will be recommended.

Put simply, this means putting all of your debts into one, manageable payment each month.

If this isn’t initially possible, then a debt consolidation loan may be suggested.

A way of settling your debts with your creditors, it will involve a bank or another financial institution covering the debt repayment initially before you have to repay them.

An Affordable Debt Management and Consolidation Program

As aforementioned, one of the debt relief solutions that a Licensed Insolvency Trustee can help you with is a consumer proposal.

This solution is also used as a way of managing your debts through consolidating them.

Of course, the cost of this program will depend on the individual circumstance. But it can be a very effective method of eliminating unsecured debt.

As part of the process, you’ll have two credit counselling sessions.

Throughout these, you’ll learn how to manage your budget so that you can rebuild your credit in only a few years.

If it’s decided that this is the best route for you, your case will then be filed before the creditors can vote as to whether they agree to the repayment plan.

If, of course, a consumer proposal isn’t suitable, then filing for bankruptcy may be the solution.

With this debt relief solution, you’ll be taken through the process, along with the pros and cons.

Debt Help & Credit Counselling in Sarnia, Ontario

If you’re looking for further guidance from a regulated and licensed debt counsellor, then our Sarnia-based Licensed Insolvency Trustees are here to help.

Experts in debt relief, they have years of experience in the field helping Sarnia residents to get back on their feet.

So if you’re ready to take the first step towards financial freedom today, give them a call on (877) 879-4770 or drop them an email through our website.

Beginning with a free, no-obligation consultation they’ll guide you on how to become debt free in a way that’s suitable to your unique financial situation.

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