As a consumer, you have rights as well as responsibilities when you are experiencing financial difficulty. Your counsellor can help you understand those rights and responsibilities. We will provide you with advice about how to effectively communicate with your creditors to explain your current situation and gain their cooperation.

Your personal counsellor will help you to:

• develop an overall strategy to manage a short-term financial crisis
• outline what you need to do to gain the cooperation of your creditors
• stop the harassing phone calls
• identify and resolve unreasonable collection practices