Debt Relief in St. Thomas
See the options that are available to you, and get a plan to get back on track.

Free Debt Relief in St. Thomas, Ontario & Debt Elimination Solutions – Programs, Options & Services

How to pay off and reduce credit card debt: Debt settlement, debt management, forgiveness of debt letter, debt consolidation and more.

You need debt help in St. Thomas, Ontario with a solution that really works. Some ads make dealing with your debts sound easy, but it’s not one-size-fits-all. Let us help you find the right option for you. In Canada there are many ways to deal with debt.

You might not know which solution to choose when you look at all of the options that can help you with your debts.

Do your research, read online reviews or ask a well-regarded non profit credit & debt counselling company for help.

It Can Be Hard to Deal with Debt Stress – We Can Help

Let us help you get rid of stress and money worries in your life. If you lose sleep thinking about your debts, your credit cards are maxed or you’re not sure if you can pay all of your monthly bills, you need a solution that won’t get you deeper into debt.

Even if you’ve been declined by your bank when you tried to consolidate your loans, it is possible to get back in control of your credit cards and debts. Regardless of your situation, there is hope that you can be debt free. We are here to help.

Get Started

Begin moving forward today by arranging an appointment to speak with one of our highly trained Credit Counsellors. We're happy to help you and answer any questions you might have. All of our appointments are always free, confidential and non-judgmental.

Make an Appointment

Our Clients Interviewed on the News

From time to time, the news media interviews some of our clients who are comfortable sharing their story publicly. Below are two of our clients who were interviewed about their experience with the Credit Counselling Society.

Global TV News Story - A woman avoids filing for and declaring bankruptcy with help from the Credit Counselling Society. CCS provides the same bankruptcy alternative services across Canada.

Global TV interviews Julia Fletcher after she eliminates her debt with zero interest & avoids bankruptcy with help from the Credit Counselling Society. See Story Now

CTV Help to Pay Down Debt - Declaring bankruptcy may be the only option available for some. However, Dan paid off his credit cards with the same debt solutions that are available across Canada.

CTV News reveals how Dan Robinson paid off $30,000 in debt with no interest with the help of the Credit Counselling Society. Watch the News Story

Reasons to Make a Debt Relief Plan Today

We can help you:

  • Repay your debts with one affordable monthly payment
  • Save thousands of dollars in interest
  • Look at options to get out of debt and re-establish financial stability
  • Pay your bills and living expenses by managing your money better

Contact us now. One of our qualified Credit Counsellors would be happy to help!

Get Out of Debt - Explore Your Options and Choose the Best One

Most people really don’t know what they need to know about dealing with their debts. They need more information about short and long-term consequences and they need their questions answered.

A trained Credit Counsellor will give you the information you need so that you can make an informed decision.

A Credit Counsellor serving St. Thomas will give you details and tips about debt relief options. Some of these are:

  • Programs to repay debt and consolidate payments, making it easier to manage all of your bill payments and living expenses.
  • Debt repayment programs where your creditors waive or reduce how much interest they charge you. This helps you repay what you owe.
  • Help with your household budget so that you can go back to your lender for a loan or mortgage refinance.
  • Insolvency options provided by a bankruptcy trustee, e.g. referral to a trustee for information about going bankrupt or filing a Consumer Proposal to repay part of what you owe.
  • There are pros and cons in regard to how debt settlements work in Canada (making one large payment to your creditor). You’ll want to know about the long term consequences ahead of time, before you ask to have some of your debt written off.
  • Debt relief companies offer different services so find out how to do research to find reviews you can trust.
  • A Credit Counsellor will outline the steps to take to communicate effectively with creditors, stop stressful collection calls and write a forgiveness of debt letter.
  • What to do to repay government debt.
There's a Way Out of Debt

"Excellent way to consolidate, to make payments towards the principle only! The Credit Counselling Society negotiated on my behalf to bring down my interest rates to ZERO with all my creditors while I paid off the debt load. That would have taken me 150 years to pay off. Accomplished in 4.5 years. Now I am debt free!"

 

- Melody, Actual Client Review from Facebook

Get Out of Debt - Ask a Credit Counsellor How

Your Credit Counsellor will explain to you what you need to know so that you can start dealing with your debts right away.

Ultimately, the best option for you to choose will be the one that you can afford to follow through with, and then stay out of debt once and for all.

Get Help with Your Debts – Don’t Be Afraid to Take the Next Step

You’ve got nothing to lose and everything to gain when you contact the right debt relief organization. Last year alone, almost 70,000 Canadians asked us for help. 97% of them said they would recommend our service to others. We are also the winner of the 2018 Consumer Choice Award in several cities across Canada.

Give us a call right now to find out how we can help you too. You’ll feel better knowing how to handle your situation.

Free, Confidential Debt Help - Contact a Credit Counsellor Now

Having an appointment is free, confidential and you can talk to the Credit Counsellor in person or over the phone. You won’t be obligated to anything by speaking with your Counsellor, and they won’t judge you.

Don’t wait - Contact us now at 1-888-527-8999.

With free help available from an accredited, non-profit credit counselling organization in St. Thomas, what’s stopping you? Get debt relief today.

Learn more about the Credit Counselling Society and why so many people, governments, professionals, and community organizations trust us to help individuals with their money and debt challenges.

Having Trouble with Your Debts?

We can help. Give us a call at 1-888-527-8999 or send us a quick note to call you back and we'll be in touch to answer any questions you may have about debt. We'll help you find a solution that works best for you.

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