Credit Counselling in Sault Ste. Marie, ON
Having many debts often feels like a huge burden.
Debts can quickly build up and get out of control, and this not only leaves us with financial difficulties, but physical and mental difficulties too.
Financial issues can affect our mood on a mild day, and give us anxiety and depression on a tough one.
Our sleep can suffer, our appetites can change, and a plethora of other changes can take place.
Plus, debts can put a strain on important personal relationships.
Does this sound familiar to you?
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If so, it’s time to do something about your financial situation.
Credit Counselling services in Sault Ste. Marie can help you to figure out a way forward.
It may feel like you have nowhere to turn, but you do.
Bankruptcy Canada can provide advice to those struggling with their finances in Sault Ste. Marie and help you to get a fresh financial start.
Read on to learn more about how we can help those in Sault Ste. Marie and the surrounding areas.
More About Sault Ste. Marie Credit Counselling Services
With our expert credit counselling services in Sault Ste. Marie, we can help you to come up with a personalised financial plan for a better financial future.
First, we will assess your situation in a completely confidential, no-obligation, and non judgemental way.
We will then come up with a unique spending plan for you, designed to help you manage all of your living expenses and debts effectively.
When you put in the work and follow our advice, you will be able to get back on track financially in anywhere from 2-5 years.
We may also advise that you take another step to clearing your debts, such as debt consolidation.
For those who have multiple debts to pay each month, keeping up with payments and having to deal with rising interest rates can be troubling.
However, debt consolidation can mean lower interest rates and just one monthly payment to deal with.
It’s possible to save thousands when you do this, but again, it depends on your situation.
What Is Debt Consolidation?
Debt consolidation means taking out another loan in order to pay off your current debts.
This immediately stops aggressive collection calls from creditors and will likely lower your interest payments – many people save thousands.
Once you’ve paid off your other debts, you will then have only one payment to make each month.
This can make paying off your debts much less stressful, and will help you to save money over time.
It can feel liberating when you take control of your finances like this, and we can help you every step of the way.
Sault Ste. Marie Budgeting Assistance and Financial Education
Along with an assessment of your current situation and advice, we also provide budgeting assistance and financial education to those who need it.
Changing your mindset around money can be difficult, as it’s so hard to undo those long-held beliefs that got us into the position that we are in now.
However, this is entirely necessary if you are going to turn your situation around and change your life for the better.
Our credit counselling services can help you to do this and get you back on track in a matter of years.
This might seem a long way off, but the sooner you get started, the better.
The time will pass by regardless, so make a plan that will benefit you and allow you a financially free future!
What Are The Advantages Of Credit Counselling Services?
Credit counselling services provide an unbiased assessment of your current situation.
We understand that this can feel uncomfortable, but our advisors are accredited and professional and will not pass judgement.
You will immediately receive action steps so that you know exactly what needs to be done to get back on track.
Depending on the action steps you are given, you may need to consolidate your debts, or simply ensure you follow the budget as laid out and avoid taking out new credit.
What Are The Disadvantages Of Credit Counselling Services?
Although we work alongside you, it will be up to you to do the hard work.
There are few disadvantages to credit counselling services.
One downside is that credit counselling services are listed on your credit score as an R7, although this may not affect you.
It’s worth noting that not all credit counselling services are created equally, which is why working with Bankruptcy Canada is the best choice.
Over 20 years we have helped many people to overcome their financial issues and live a financially stable, comfortable lifestyle.
Who Are Credit Counselling Services Suitable For?
Credit counselling services are best for those who know they need help if they are going to move forward but aren’t quite sure what to do.
If you want help but aren’t yet at the point of declaring bankruptcy, getting help now with our credit counselling services can ensure it doesn’t get to that stage at all.
Many people who are struggling with their finances avoid getting help until they have to declare bankruptcy, but the sooner you get help, the better.
This service can be for anybody who wants to resolve their debts and feels they need help coming up with an appropriate action plan.
Get In Touch With Bankruptcy Canada Today
For help with your debts in Sault Ste. Marie, contact Bankruptcy Canada today.
We have helped many people in situations like yours over the last 20 years, and our team are professional, accredited, and empathetic.
We are totally transparent and will come up with a suitable plan alongside you.
Get in touch with us and we can assess your situation, as well as advise you on bankruptcy, consolidation, and other potential options.
To begin planning your fresh start in Sault Ste. Marie, contact Bankruptcy Canada.