Best Credit Counseling Service Ottawa Near Me

4worldlovers: Free Credit Counselling Ottawa – Struggling to make your minimum payments? Are debt problems affecting your sleep, health, or relationships? We can help put an end to your stress. We serve all of Ottawa and the surrounding areas.

Canada’s Leading Provider of Non Profit Consumer Credit Counselling & Debt Solutions Services

We are an award winning non-profit consumer credit and debt counselling service providing help with debts, money management, and interest relief in Ottawa. Our experienced, professionally trained and certified Counsellors can help you put together a plan to:

Create a spending plan to manage all of your living expenses

4worldlovers:
Do you want to consolidate debts to get rid of all your outstanding debt? Then our free credit relief service offers the best solution for your financial problems. There are a number of benefits that you can get through this consolidation loans service as it helps you to manage all your Ontario credit card debt effectively, it helps you to release the stress of over-due debt from your mind. Sometimes it becomes difficult for people to juggle all their various debts at once; it creates even more troubles for families who do not have enough money to pay all their debt. When this happens they can miss a high interest debt or loan payment which will cause even new troubles for them including late fee charges and higher interest rates. In times like these you need help and you need it fast, free credit relief consultations and credit advice can help you to solve these hardships.

Credit card consolidation is a relatively simple process: rather than sending payments individually for each debt you owe, our online Ottawa debt consolidators and credit counselling service providers offer to consolidate credit card debt by taking one payment each month that they in turn dispurse to your creditors for you. These types of online consolidation loans programs offer a lower or sometimes zero interest rate, and gives the you the consumer time to recover some savings as you quickly pay off your debt. This way, are able to simplify your payments and not have to deal with the high interest rates of credit card payments. Canadian Ottawa debt settlement is not the same as debt consolidation as it is part of the Canadian bankruptcy act and will hurt your credit for years, we have a much better solution.

Are you ready to consolidate debt online and save? Then fill out our free consultation form above and a credit card consolidation professional will contact you to work out a new reduced payment plan for all your credit card debts, unsecured loans and other overdue bills. This free Ottawa debt counselling service can lower your monthly payments and get you out of debt fast! more

4worldlovers:
Are you currently overwhelmed with credit card debt? Are you looking for a trusted Ontario credit consolidation service? Are you tired of receiving calls from bills collectors every day? Are you having a difficult time making your monthly high interest credit card debts payments on time? If you answered yes to any of the questions listed above, our credit consolidation services may be the right solution for you. First, it is important to realize that you are not alone since it is estimated that the average Ontario household owes $7,194 in past due bills. While this may make you feel better, it will not solve your past due bills problem. The good news is that excellent credit consolidation services are available to help you successfully eliminate your high monthly bills. These monetary experts will work with you to devise the best credit consolidation loans plan of action to reduce your debt liabilities payment.

Credit consolidation is the process of merging all your credit card debts, such as credit card payments, personal loans, and store card bills, into one low affordable monthly payment. A monetary counselor will contact each of your creditors and negotiate a more affordable high interest credit card bills payment option. Often during these debt negotiations, credit card companies are willing to reduce the amount owed by lowering or eliminating some of the interest expense and late fee charges. When working with a professional Ontario credit consolidation firm, debt liabilities companies are also more willing to accept lower monthly payments spread out over a longer period of time.

4worldlovers:
Consumer proposals are one of the financial solutions we offer here at Doyle Salewski. Speaking to one of our Debt Relief Managers can give you an understanding of what a consumer proposal can do to help your personal financial situation. If the amount of money you currently owe is too much for you to pay back in full, you may benefit from signing a consumer proposal. Doing so can give you the opportunity to have reduced payments, based on an agreed-upon amount by you and your payees.


A Licensed Insolvency Trustee can sit with you to discuss your individual situation in order to provide you with a personalized plan. They will look at your current budgetary requirements to establish what the lowered rate can be, and present the proposal. Your trustee is responsible for mediating the agreement between both parties, so the terms are laid out clearly to be understood and accepted by all who are involved.

In order to proceed with the process of a consumer proposal, you must be prepared to:

There are also government mandated regulations set before proceeding with a consumer proposal. These include:

Money owed amounting to less than $250,000, and are unrelated to your home’s mortgage payments

Should you have more than $250,000 to pay back that is not connected to your mortgage payments, speak to one of our Licensed Insolvency Trustees about whether a Division I proposal is best for you.