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How Do I Know If I Need Help with My Debts or If a DIY Program Will Work?

When to ask for professional help with debt or diy and struggle to pay off what you owe.Q: My sister asked if my husband and I want to join them again for a winter get-away. I told her it sounds like fun and that I’d see if my husband could get the time off work. The truth is though, even if he can take a week off, it would be a real financial hardship to go.

We’ve always enjoyed vacations together, so I don’t know how to tell her that our credit cards are maxed, we have a lot of debt and money is really tight. My husband and I both have good jobs and earn enough, but our pay cheques only seem to be going to bills and minimum payments. Please help!

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Published on: January 9, 2014

How to Reduce Debt - Power Tips, Ways, & Methods

If you are wondering how to reduce your debt as fast as possible, we’ll show you the best ways to reduce debt in Canada, how to pay off credit card debt quickly, and the strategies and tips that really work. We’ve arranged these tips and insights into two sections that line up with what you need to do first. The first thing you should do is free up some money to work with, and the second thing you need to do is use that money strategically to pay down and eliminate your debts.

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Published on: December 9, 2016

How to Deal with Credit Card Debt – Advice from Last Year’s Self

By Julie Jaggernath

Have you ever made a conscious effort to pay down credit card debt, only to abandon your resolve because the balances never seem to budge in the right direction? Maybe you’re frustrated because you’ve done your best to make extra payments and to hardly use the cards at all, but you still owe as much as you did before.

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Published on: July 7, 2016

How to Communicate with Collection Agents & Regain Control of Your Pay Cheque

Q: I’m about 4 months behind on my credit card payments and now a collection agency is leaving messages on my cell phone every day. My problems started when my roommate left to move back in with his parents. The lease is in my name and isn’t up for another 6 months so I’m stuck paying rent I can’t afford. I called the collection agent back and he demanded payment in full. If I don’t come up with the money in 7 days he said they’d look at starting legal action. He also wanted a lot of other details from me which he said I am obligated to provide.

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Published on: April 29, 2016

Help Me, I'm Drowning in Debt - I Need Help with Debt Now

If you’re thinking, “Help me! I’m drowning in debt. I need help with my debt right now!” You’ve come to right place. If anyone can assist you, we can. We'll help you figure out what you need to do to find your footing and get your finances back on track, and if we can't help you ourselves, at the very least, we’ll refer you to someone who can.

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Published on: June 1, 2015