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Difference between revisions of "You Have Options for Getting Out of Debt"

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==How do you decide what to do?==
==How do you decide what to do?==


*'''Start by getting free advice and counselling''': The Credit Counselling Society of BC is a non-profit debt counselling service. In addition to offering counselling about possible solutions to your financial problems and free debt management workshops, they can help you set up a personal budget to regain control of your finances. They can also set up a debt management or debt settlement program for you. The Society has offices in Vancouver, Delta, New Westminster, Surrey, Abbotsford, Nanaimo, Kelowna and Victoria. Generally, there’s no cost for their services. Their toll free phone number is 1.888.527.8999 and their website is www.nomoredebts.org.
*'''Start by getting free advice and counselling''': The Credit Counselling Society of BC is a non-profit debt counselling service. In addition to offering counselling about possible solutions to your financial problems and free debt management workshops, they can help you set up a personal budget to regain control of your finances. They can also set up a debt management or debt settlement program for you. The Society has offices in Vancouver, Delta, New Westminster, Surrey, Abbotsford, Nanaimo, Kelowna and Victoria. Generally, there’s no cost for their services. Their toll free phone number is 1.888.527.8999 and their website is [http://www.nomoredebts.org www.nomoredebts.org].


*'''You can also get professional help''':  A reputable, licensed credit counsellor or bankruptcy trustee can help. To find a credit counsellor, look in the Yellow Pages of your phone book under “credit and debt counselling.” For a bankruptcy trustee, look under “bankruptcy trustee.” Or go to the website of the Canadian Association of Insolvency and Restructuring Professionals at [http://www.cairp.ca www.cairp.ca] or phone them at 416.204.3242. Most bankruptcy trustees will give a free initial consultation to assess your financial situation and explain your choices and their consequences.
*'''You can also get professional help''':  A reputable, licensed credit counsellor or bankruptcy trustee can help. To find a credit counsellor, look in the Yellow Pages of your phone book under “credit and debt counselling.” For a bankruptcy trustee, look under “bankruptcy trustee.” Or go to the website of the Canadian Association of Insolvency and Restructuring Professionals at [http://www.cairp.ca www.cairp.ca] or phone them at 416.204.3242. Most bankruptcy trustees will give a free initial consultation to assess your financial situation and explain your choices and their consequences.
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