Cornwall, Ontario Credit Counselling Society
Free Debt and Credit Help
Credit Counselling Cornwall – Stressed about your debts? Maybe your credit is maxed out, you can’t sleep, or financial worries are affecting your relationships. We can help.
Non Profit Consumer Credit Counselling & Debt Solutions from Canada’s Leading Service Provider
We are a non-profit consumer credit and debt counselling service providing debt solutions and help to Cornwall. Our highly trained and professionally accredited Counsellors can help you explore all of your options and find the best solution. We can help you:
- Create a spending plan to manage all of your living expenses
- Get your finances back on track
- Consolidate your debts in Cornwall with just one monthly payment
- Save thousands of dollars in interest
- Stop collection calls from creditors
Discover Your Options
A Visual Overview of Possible Options
Here are some options that may be available to you based on the information you have provided about your financial situation. The most likely options are in green, less likely in yellow, and least likely in red. This is only intended to provide you with a general idea of the options that may be available to you. A credit counsellor will need to go over your information in much more detail to make a more precise determination.0
Option
Do a Deeper Dive to Uncover More Options
It looks as though your situation requires more in-depth analysis from a trained credit counsellor. They can help you optimize your budget, explore options, and create a plan to get back on track.
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Option
Self-Managed Solution
After thoroughly exploring your options with a credit counsellor, they can help you put together a plan to get out of debt in a reasonable amount of time. You can then implement this plan on your own.
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Option
Debt Consolidation Loan
Based on the information you've provided, it appears as though this could be a possibility if your credit score is strong enough.
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Option
Debt Management Program
It appears as though this may be an option for you. A Debt Management Program eliminates or drastically reduces interest and consolidates all payments into one.
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Option
Consumer Proposal
This may be an option for you to consider. It's a legal process that consolidates all payments into one. Talk to a credit counsellor about this and see if it makes sense for your situation.
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Option
Bankruptcy
Based on the information you've entered, it appears as though bankruptcy may be an option to resolve your financial challenges. You should speak with a credit counsellor about this and make sure you've exhausted all other options first.
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Option
Orderly Payment of Debts
Based on what you've entered, it looks as though an Orderly Payment of Debts (OPD) program may be an option for you. To find out if this would make sense for your situation, you should speak with a credit counsellor.
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Voluntary Deposit
Based on the information you've provided, it looks as though a voluntary deposit program may be an option to address your debt situation.
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Bonus Option
Online Workshops
Learn how to improve your financial situation, create a budget, make your dollars stretch further, and get out of debt with one of our many helpful online workshops we call webinars.
More Specifics on How We Can Help You
Get Help Today
Give us a call to speak with one of our credit counsellors at 1-888-527-8999, or if you'd like us to contact you instead, please fill out the form below.People We Helped Interviewed on Global TV and CTV News
From time to time, the news media interviews some of the people we helped who are comfortable sharing their story publicly. Below are three Canadians who shared their experience with the Credit Counselling Society.
Offering Free Consumer Debt & Credit Counselling Services for Over 25 Years
With
There’s Life Beyond Debt for Everyone
“When debts became a problem, I felt very overwhelmed – like I could not see the end of the tunnel. Picking up the phone felt like lifting a 10 pound rock, but they were very cheerful on the other end of the line. I came in, discussed my situation in privacy, and instantly got relief knowing I was in good hands.”
– Delores
More Info About the Credit Counselling Society & Our Approach
We’ve provided non-profit credit counselling for over 25 years and usually give entirely free help to about 95% of those who reach out to us. People will only pay for our help if they make the decision to sign up for our Debt Management Program. This consolidates every one of someone’s credit card and other unsecured debt payments into just one monthly payment that fits their budget. With this program, interest is either stopped or substantially reduced. It will eliminate debt while protecting privacy, allowing credit repair, and working to put people’s finances back on the right track as soon as possible. Yet this is simply one of a variety of tools we have to assist people.
We truly believe that the best debt consolidation or debt help is a solution that enables someone to get back on the right track as soon as possible while at the same time helping them accomplish their long term financial plans. Regrettably, the way we approach this is very different from the way some commission focused debt advisors, credit consultants, financial counselors, and credit advisors out there do things, but we firmly believe that when someone is having a difficult time financially, you need to carefully look into all options available to them and concentrate on what’s going to do the most to help them in the long-term. This is why we don’t pay any of our staff commission – only straight salaries. To hold our organization to the highest standards possible we have joined, been audited by, and are accountable to the National Foundation for Credit Counseling and Credit Counselling Canada. We’re also accountable to the Canada Revenue Agency, a volunteer board of directors and are the only organization in our industry to open up our books to an external auditor every year.
To benefit from one of our highly trained credit and debt counsellors having a look at your financial circumstances and working with you to see your choices for getting things back on track, give us a call now at 1-888-527-8999. Our help is free, confidential, and non-judgmental. The only thing you’ve got to lose is your debt.
The Credit Counselling Society also provides alternatives to bankruptcy in Cornwall, Ontario.
Ensuring Your Interests are Always First
In everything we do, our goal is to always put the interests of consumers first and do what is best for them. Two important ways we pursue this is through transparency and accountability. We are held accountable to the highest and most demanding standards in our industry.
