Consumer counseling credit card consolidating credit debt

We have six convenient office locations in the Greater Toronto Area where you will receive our services in a supportive, friendly and professional environment.

we have worked with thousands of people in the Greater Toronto Area facing the biggest financial challenges of their lives.

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Most offer a free, no-obligation initial assessment.Be sure that you can handle the payments on any personal loan.Unlike credit card debt, personal loans tend to have a relatively short term, which means that the monthly payments could be higher.If you borrow from the credit union, make sure you understand what, if anything, secures the loan.They may ask you to back the loan with collateral -- perhaps by pledging to surrender your car, a certificate of deposit or other savings-type account if you default. If you stopped paying a credit card bill, it's unlikely that your credit union would sue you to take your car.