{"id":14552,"date":"2020-09-11T17:05:14","date_gmt":"2020-09-11T17:05:14","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=14552"},"modified":"2025-04-11T19:26:38","modified_gmt":"2025-04-12T02:26:38","slug":"bc","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc","title":{"rendered":"BC Non-Profit, Credit &#038; Debt Counselling Services"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;none&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; 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background_color_gradient_end_position_tablet=&#8221;80%&#8221; background_color_gradient_end_position_phone=&#8221;90%&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;top_center&#8221; background_position_phone=&#8221;top_center&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; prev_background_color=&#8221;#ffffff&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; animation_duration_tablet=&#8221;&#8221; animation_duration_phone=&#8221;0ms&#8221; animation_duration_last_edited=&#8221;on|phone&#8221; animation_intensity_slide_tablet=&#8221;&#8221; animation_intensity_slide_phone=&#8221;0%&#8221; animation_intensity_slide_last_edited=&#8221;on|phone&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>Debt &#038; Credit Counselling | British Columbia <\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;&#8221; animation_duration_phone=&#8221;0ms&#8221; animation_duration_last_edited=&#8221;on|phone&#8221; animation_intensity_slide_tablet=&#8221;&#8221; animation_intensity_slide_phone=&#8221;0%&#8221; animation_intensity_slide_last_edited=&#8221;on|desktop&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>Find free, confidential, non-judgmental credit counselling to solve your financial challenges.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;tel:1-888-527-8999&#8243; button_text=&#8221;1-888-527-8999&#8243; button_alignment=&#8221;center&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;none&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#E4F8E0&#8243; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;||90px||false|false&#8221; custom_padding_phone=&#8221;||90px||false|false&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; prev_background_color=&#8221;#ffffff&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h1>Simply Free Debt &#038; Credit Counselling<br \/><span style=\"font-size: 70%; color: #666;\">British Columbia Credit Counseling Society<\/span><\/h1>\n<p>Are you struggling to make your minimum payments? Are debt problems affecting your sleep, health, or relationships? We can help relieve your stress and get your financial health back under your control. Contact us via the link below or <strong>call us at 1-888-527-8999<\/strong>.[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/contact-us&#8221; button_text=&#8221;Talk to Us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;none&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;40px||14px||false|false&#8221; custom_padding_tablet=&#8221;30px||||false|false&#8221; custom_padding_phone=&#8221;30px||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; prev_background_color=&#8221;#E4F8E0&#8243; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>Who Are We?<\/h2>\n<p>The Credit Counselling Society in BC is Canada&#8217;s leading provider of non-profit consumer credit counselling &#038; debt solutions services in British Columbia.<br \/>\nWe&#8217;re an award-winning team that has helped countless individuals and families with debt, money management, and interest relief in BC. Come to us, and you&#8217;ll work with an experienced, professionally trained and certified credit counsellor \u2013 a debt relief specialist who will help you put together a plan to:<\/p>\n<ul>\n<li>Manage all of your living expenses<\/li>\n<li>Get your finances back on track<\/li>\n<li>Consolidate payments for your debts in BC into one monthly payment<\/li>\n<li>Save thousands of dollars in interest<\/li>\n<li>Stop collection calls from creditors<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;ramp2&#8243; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#ffffff&#8221; module_id=&#8221;BC&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;130px||80px||false|false&#8221; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; top_divider_color=&#8221;#ffffff&#8221; bottom_divider_style=&#8221;none&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>Offices<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/vancouver\" vancouver=\"\">Vancouver<\/a><\/strong><br \/>\nJustice Access Centre (VJAC)<br \/>\nSuite 290 &#8211; 800 Hornby Street<br \/>\nVancouver, BC V6Z 2C5\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Vancouver+on+Hornby+%7C+Free+Debt+Help+and+Debt+Relief\/@49.2819911,-123.124541,17z\/data=!3m1!4b1!4m6!3m5!1s0x548671826ba6b863:0x494c0a80d77da997!8m2!3d49.2819876!4d-123.1219661!16s%2Fg%2F1tf9y33s?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><\/p>\n<p><a href=\"tel:604-527-8999\" tabindex=\"-1\">604-527-8999<\/a> or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/burnaby\" tabindex=\"-1\">Burnaby<\/a><\/strong><br \/>Central Park Business Centre<br \/>Suite 300 &#8211; 3665 Kingsway<br \/>Vancouver, BC V5R 5W2\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Burnaby+%7C+Free+Debt+Help+and+Debt+Relief\/@49.2326956,-123.0287971,17z\/data=!3m2!4b1!5s0x5486769244d7939f:0xbc6d69e372a88a5a!4m6!3m5!1s0x5486768d073b212d:0x67deecc6fd9263f5!8m2!3d49.2326922!4d-123.0241837!16s%2Fg%2F12qh15f_4?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/><em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:604-527-8999\" tabindex=\"-1\">604-527-8999<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/new-westminster\" tabindex=\"-1\">New Westminster<\/a>\u00a0<\/strong>&#8211; Head Office<br \/>Suite 225 &#8211; 625 Agnes Street<br \/>New Westminster, BC V3M 5Y4 <a href=\"https:\/\/www.google.com\/maps\/place\/Credit+Counselling+Society+Head+Office+%7C+Free+Debt+Help+and+Debt+Relief\/@49.2044935,-122.9138049,17z\/data=!3m2!4b1!5s0x5485d873eb6121db:0x184e0961574b4be8!4m6!3m5!1s0x5485d95e2d0006f3:0x1b365598d01a28c8!8m2!3d49.20449!4d-122.91123!16s%2Fg%2F1tjf9z2v?entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><\/p>\n<p><a href=\"tel:604-527-8999\" tabindex=\"-1\">604-527-8999<\/a> or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/surrey\" tabindex=\"-1\">Surrey<\/a><\/strong><br \/>Suite 201 &#8211; 15399 102A Avenue<br \/>Surrey, BC V3R 7K1<span>\u00a0<\/span><a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Surrey+%7C+Free+Debt+Help+and+Debt+Relief\/@49.1891987,-122.8003614,17z\/data=!3m2!4b1!5s0x5485d7138bd68a75:0xc47285a2db51576f!4m6!3m5!1s0x5485d714766ca7a3:0x411d4de5bc4b7970!8m2!3d49.1891953!4d-122.795748!16s%2Fg%2F1tg4l1xk?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><\/p>\n<p><a href=\"tel:604-527-8999\" tabindex=\"-1\">604-527-8999<\/a> or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/victoria\" tabindex=\"-1\">Victoria<\/a><\/strong><br \/>Cook Medical Building<br \/>Suite 214 &#8211; 1175 Cook Street<br \/>Victoria, BC V8V 4A1\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Victoria+%7C+Free+Debt+Help+and+Debt+Relief\/@48.4239087,-123.3578376,17z\/data=!3m1!4b1!4m6!3m5!1s0x548f74ebe40f06b3:0x8fb8af5f17005407!8m2!3d48.4239052!4d-123.3532242!16s%2Fg%2F1vd3vh8t?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><\/p>\n<p><a href=\"tel:250-382-9559\" tabindex=\"-1\">250-382-9559<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/nanaimo\" tabindex=\"-1\">Nanaimo<\/a><\/strong><br \/>Oceanview Executive Centre<br \/>Suite 203 &#8211; 335 Wesley Street<br \/>Nanaimo, BC V9R 2T5\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Nanaimo+%7C+Free+Debt+Help+and+Debt+Relief\/@49.1646352,-123.9457967,16z\/data=!3m2!4b1!5s0x5488a3e2be72e03f:0xf4c34404cdaaddaa!4m6!3m5!1s0x5488a3e2f3be1363:0xac4d8684b908ffcb!8m2!3d49.1646318!4d-123.9411833!16s%2Fg%2F1tpc7ntp?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/><em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:250-741-8558\" tabindex=\"-1\">250-741-8558<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/kelowna\" tabindex=\"-1\">Kelowna<\/a><\/strong><br \/>Stewart Centre Building<br \/>Suite 375 &#8211; 1855 Kirschner Road<br \/>Kelowna, BC V1Y 4N7\u00a0<a href=\"https:\/\/www.google.ca\/maps\/place\/Credit+Counselling+Society+Kelowna+%7C+Free+Debt+Help+and+Debt+Relief\/@49.8795706,-119.4618604,16z\/data=!3m2!4b1!5s0x537d8cb182917823:0x640cea166e6a4809!4m6!3m5!1s0x537d8cb22cb24a91:0x393b0cc59c612cee!8m2!3d49.8795672!4d-119.457247!16s%2Fg%2F1tk67c4t?hl=en&amp;entry=ttu\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/><em><strong><span id=\"modify-colour\" style=\"color: #808080;\">Currently providing telephone appointments only<\/span><\/strong><\/em><\/p>\n<p><a href=\"tel:250-860-3000\" tabindex=\"-1\">250-860-3000<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.0&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><strong><span style=\"color: #808080;\">Previous<\/span> <a href=\"https:\/\/nomoredebts.org\/canada-credit-counselling\/bc\/abbotsford\" tabindex=\"-1\">Abbotsford<\/a> <span style=\"color: #808080;\">Office<\/span><\/strong><br \/>Suite 101A &#8211; 33140 Mill Lake Road<br \/>Abbotsford, BC V2S 2A5\u00a0<a href=\"https:\/\/www.google.com\/maps\/place\/Credit+Counselling+Society\/@49.049579,-122.305699,13z\/data=!4m5!3m4!1s0x0:0xec6869e95406d537!8m2!3d49.049579!4d-122.305699?hl=en-US\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">view map<\/a><br \/><span style=\"color: #808080;\"><strong><em>Currently providing telephone appointments only<\/em><\/strong><\/span><\/p>\n<p><a href=\"tel:604-859-5757\" tabindex=\"-1\">604-859-5757<\/a>\u00a0or\u00a0<a href=\"tel:+18885278999\" tabindex=\"-1\">1-888-527-8999<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;ramp2&#8243; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; _builder_version=&#8221;4.20.2&#8243; _module_preset=&#8221;_initial&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; top_divider_color=&#8221;#E7DFF3&#8243; top_divider_arrangement=&#8221;above_content&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;ramp2&#8243; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; top_divider_height_phone=&#8221;100px&#8221; top_divider_height_tablet=&#8221;150px&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Self Assessment Tool Section&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#5B25AF&#8221; custom_margin=&#8221;-100px||||false|false&#8221; custom_margin_tablet=&#8221;-50px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;160px||||false|false&#8221; custom_padding_tablet=&#8221;100px||||false|false&#8221; custom_padding_phone=&#8221;50px||||false|false&#8221; top_divider_color=&#8221;#FFFFFF&#8221; top_divider_height=&#8221;180px&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_height_tablet=&#8221;105px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#8221; custom_padding=&#8221;150px||2px|||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.1em&#8221; header_2_font_size=&#8221;38px&#8221; header_2_line_height=&#8221;0.9em&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; header_2_font_size_tablet=&#8221;35px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2 id=\"top-h2\">Find Out Exactly How We Can Help<br \/><span style=\"font-size: 70%; color:#bca7df;\">by Answering 4 Simple Questions<\/span><\/h2>\n<p>Not sure where to start in finding help for your specific financial situation? Answer these 4 easy multiple-choice questions to get pointed in the right direction. All you have to do is click the boxes that apply to you and then the green button when you&#8217;re done.<\/p>\n<p>&nbsp;[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Self Assessment Tool&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;730px&#8221; custom_padding=&#8221;||100px|||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_code _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<!DOCTYPE html><!-- [et_pb_line_break_holder] --><html lang=\"en\"><!-- [et_pb_line_break_holder] --><head><!-- [et_pb_line_break_holder] -->    <meta charset=\"UTF-8\"><!-- [et_pb_line_break_holder] -->    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\"><!-- [et_pb_line_break_holder] -->    <strong style=\"display:inline-block;margin-bottom:20px;color:#fff;\">How We Can Help Self Assessment<\/strong><!-- [et_pb_line_break_holder] -->    <\/p>\n<style><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    label {<!-- [et_pb_line_break_holder] -->        display: block; <!-- [et_pb_line_break_holder] -->        position: relative;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->      <!-- [et_pb_line_break_holder] -->    \/* input[type=\"checkbox\"]::after{background: #6949a0;} *\/<!-- [et_pb_line_break_holder] -->    input[type=\"checkbox\"] { <!-- [et_pb_line_break_holder] -->        position: absolute;<!-- [et_pb_line_break_holder] -->    \t\ttop: 0px; \/* Originally set to 2px. *\/<!-- [et_pb_line_break_holder] -->    \t\tleft: -17px; \/* Originally set to -5px. *\/<!-- [et_pb_line_break_holder] -->        float: left; \/* Puts checkbox buttons on the left side of the text*\/<!-- [et_pb_line_break_holder] -->        margin-right: 10px; \/* Adds space between the checkbox button and the text *\/<!-- [et_pb_line_break_holder] -->      \twidth: 25px; \/* Increases the size of checkboxes. 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[et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      @-ms-keyframes fadeIn {<!-- [et_pb_line_break_holder] -->        0% {<!-- [et_pb_line_break_holder] -->          opacity:0;<!-- [et_pb_line_break_holder] -->        }<!-- [et_pb_line_break_holder] -->        100% {<!-- [et_pb_line_break_holder] -->          opacity:1;<!-- [et_pb_line_break_holder] -->      \t}<!-- [et_pb_line_break_holder] -->      }<!-- [et_pb_line_break_holder] -->    <\/style>\n<p><!-- [et_pb_line_break_holder] -->    <!--[if lte IE 8]><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script><!-- [et_pb_line_break_holder] -->    <![endif]--><!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body><!-- [et_pb_line_break_holder] -->    <\/p>\n<form action=\"sa-results.html\" method=\"GET\"><!-- [et_pb_line_break_holder] -->        <script><!-- [et_pb_line_break_holder] -->            function selectOnlyThis(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"Check\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis5(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 5; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckA\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->            function selectOnlyThis6(id) {<!-- [et_pb_line_break_holder] -->                for (var i = 1;i <= 6; i++)<!-- [et_pb_line_break_holder] -->                {<!-- [et_pb_line_break_holder] -->                    document.getElementById(\"CheckB\" + i).checked = false;<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->                document.getElementById(id).checked = true;<!-- [et_pb_line_break_holder] -->            }<!-- [et_pb_line_break_holder] -->        <\/script><!-- [et_pb_line_break_holder] -->        <\/p>\n<div class=\"questions\"><pee class=\"back-to-slide-one\" id=\"back-to-one\" hidden><a id=\"goback\" href=\"https:\/\/nomoredebts.org#back\"><span>Back to the questions<\/span><\/a><\/pee><!-- [et_pb_line_break_holder] -->          <\/p>\n<div class=\"slide-one-content\" id=\"slide-one\"><!-- [et_pb_line_break_holder] -->            <pee><span>1. What is your primary financial concern?<\/span><a name=\"1\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q1\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1a\"><input type=\"checkbox\" id=\"Check1\" name=\"question\" value=\"1) Debts\" onclick=\"selectOnlyThis(this.id)\"><span>Addressing my debts<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1b\"><input type=\"checkbox\" id=\"Check2\" name=\"question\" value=\"1) Budget\" onclick=\"selectOnlyThis(this.id)\"><span>Creating or reviewing my budget<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1c\"><input type=\"checkbox\" id=\"Check3\" name=\"question\" value=\"1) Knowledge\" onclick=\"selectOnlyThis(this.id)\"><span>Improving my financial knowledge (how credit works, credit report, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1d\"><input type=\"checkbox\" id=\"Check4\" name=\"question\" value=\"1) Saving\" onclick=\"selectOnlyThis(this.id)\"><span>Saving for a specific goal, such as retirement, a vacation, or major purchase<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-1e\"><input type=\"checkbox\" id=\"Check5\" name=\"question\" value=\"1) Business\" onclick=\"selectOnlyThis(this.id)\"><span>Business-related issues (e.g. debt, operating losses, etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>2. Do you currently carry balances on any of the following? <em>(Check all that apply)<\/em><\/span><a name=\"2\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q2\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check6\" value=\"2) Unsecured Debt\"><span>Unsecured debts (e.g. credit cards, unsecured lines of credit or loans, payday loans)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check7\" value=\"2) Secured Debt\"><span>Secured debts (e.g. mortgages or secured lines of credit, car loan)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check8\" value=\"2) Payday Loans\"><span>Payday loans<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check9\" value=\"2) Government Debt\"><span>Government debts (e.g. taxes, student loans, EI)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-2\"><input type=\"checkbox\" name=\"question\" id=\"Check10\" value=\"2) Service Provider Debt\"><span>Service providers (e.g. phone\/internet, utilities, gyms etc.)<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->            <pee><span>3. Which of the following best describes you?<\/span><a name=\"3\"> <\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q3\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3a\"><input type=\"checkbox\" id=\"CheckA1\" name=\"question\" value=\"3) No balances\" onclick=\"selectOnlyThis5(this.id)\"><span>I pay off my balances in full each month<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3b\"><input type=\"checkbox\" id=\"CheckA2\" name=\"question\" value=\"3) Balances and good\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance but my debts are in \u201cgood standing\u201d<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3c\"><input type=\"checkbox\" id=\"CheckA3\" name=\"question\" value=\"3) Balances and behind\" onclick=\"selectOnlyThis5(this.id)\"><span>I carry a balance and I am behind in my regular payments<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3d\"><input type=\"checkbox\" id=\"CheckA4\" name=\"question\" value=\"3) Collection activities\" onclick=\"selectOnlyThis5(this.id)\"><span>I am receiving collection calls, letters, or threats to repossess assets<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-3e\"><input type=\"checkbox\" id=\"CheckA5\" name=\"question\" value=\"3) Being sued\" onclick=\"selectOnlyThis5(this.id)\"><span>I have been sued by one or more creditors<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->          <pee><span>4. What is your household\u2019s primary source of income?<\/span><a name=\"how-we-can-help\">\u00a0<\/a><\/pee><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"indented-questions\" id=\"q4\"><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4a\"><input type=\"checkbox\" id=\"CheckB1\" name=\"question\" value=\"4) No income\" onclick=\"selectOnlyThis6(this.id)\"><span>No income<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4b\"><input type=\"checkbox\" id=\"CheckB2\" name=\"question\" value=\"4) Govt asstnc. or disability\" onclick=\"selectOnlyThis6(this.id)\"><span>Government Income Assistance and\/or disability programs (e.g. PWD, ODSP)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4c\"><input type=\"checkbox\" id=\"CheckB3\" name=\"question\" value=\"4) EI or government pension\" onclick=\"selectOnlyThis6(this.id)\"><span>EI or Government pensions (e.g. CPP\/OAS)<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4d\"><input type=\"checkbox\" id=\"CheckB4\" name=\"question\" value=\"4) Employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4e\"><input type=\"checkbox\" id=\"CheckB5\" name=\"question\" value=\"4) Self-employment\" onclick=\"selectOnlyThis6(this.id)\"><span>Self-Employment<\/span><\/label><!-- [et_pb_line_break_holder] -->                    <label for=\"question-4f\"><input type=\"checkbox\" id=\"CheckB6\" name=\"question\" value=\"4) Work pension\" onclick=\"selectOnlyThis6(this.id)\"><span>Work-based pensions<\/span><\/label><!-- [et_pb_line_break_holder] -->                <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"error-message-section\"><pee class=\"error-message\" id=\"errorMessage\" style=\"display:none\">First, please respond to the questions above<\/pee> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <!-- [et_pb_line_break_holder] -->                <\/p>\n<div class=\"button-section\"><!-- [et_pb_line_break_holder] -->                    <button type=\"button\" id=\"showResults\" class=\"button-style\" onclick=\"window.location.hash = 'how-we-can-help';\">Show How We Can Help<\/button><!-- [et_pb_line_break_holder] -->                <\/div>\n<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div>\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div> <\/div>\n<p><!-- [et_pb_line_break_holder] -->                <\/p>\n<div id=\"reveal-section\"><!-- [et_pb_line_break_holder] -->                  <\/p>\n<h2 class=\"lines-to-reveal\" id=\"hidden-heading\" hidden><span>How We Can Help You<\/span><\/h2>\n<p><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_1\" style=\"display:none\"><span>Helping people resolve their debts is what we do best. We can help you assess your situation and review all your options to deal with your debts.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_2\" hidden><span>Budgeting is essential for healthy finances, and we can help you with this important step. Our licensed Counsellors can help you make sense of your income and expenses, and review ways to make changes. We also have <a href=\"https:\/\/nomoredebts.org\/budgeting\/budgeting-tips\">some fantastic budgeting tools and guides if you want to dive in right now<\/a> before meeting with one of our Counsellors.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-1_3\" hidden><span>The Credit Counselling Society provides financial education through free appointments with our licensed credit counsellors. We also offer free workshops, webinars, and have created an <a href=\"https:\/\/mymoneycoach.ca\/\" target=\"_blank\" rel=\"noopener\">educational website (mymoneycoach.ca)<\/a> with detailed information on many important financial topics.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_4\" hidden><span>There are a few pieces to consider when saving for a specific goal. The Credit Counselling Society can help with budgeting and savings tips, and you may also consider speaking with a financial planner.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-1_5\" hidden><span>If your business is struggling with debt, we may be able to help, depending on if the debt is personally guaranteed. If you\u2019re primarily looking for operations or planning assistance, a business advisor such as a consultant or accountant may be better able to help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_1\" hidden><span>In regard to your unsecured debts, this kind of debt can vary widely in terms of interest, payments, and terms. The good news is, though, that you have multiple relief options available. However, it can be difficult to weigh the pros and cons of each one. We can help you review the details and proceed with the solution that\u2019s best for you.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_2\" hidden><span>For your secured debts, your options are more limited than with unsecured debts, due to the underlying asset (\u201csecurity\u201d). Nonetheless, we can help you explore those options and how they apply to your specific situation.<\/span><\/pee><!-- [et_pb_line_break_holder] -->          <pee class=\"lines-to-reveal\" id=\"hidden-2_3\" hidden><span>Regarding your payday loans, they can be challenging to repay without help due to the high interest rates and fees that are often charged. You may find yourself caught in a frustrating \u2018payday loan cycle\u2019 where you\u2019re borrowing money each month to pay the bill from the previous month ending up further behind than when you started. We can help you find options to break this cycle.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_4\" hidden><span>With respect to the money you owe the government, options can become very limited. Even insolvency options such as bankruptcy may not remove some government debts. We generally advise reaching out to the government entity whom you owe to try to arrange payments. We may be able to help you budget for this.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-2_5\" hidden><span>For the money you owe to service providers, the major factor is whether you want or need to continue with the service provided. If so, your only option is to contact the provider and try to arrange payments. If maintaining service is not necessary, you have more options and we can help you review them.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_1\" hidden><span>You indicate that you pay off your credit balances in full each month. Congratulations! Paying off your balances completely each month for credit cards, lines of credit, and other credit products is a sign of healthy finances. Many Canadians struggle to achieve this regularly. If you have concerns about meeting your future obligations, we\u2019re happy to provide some help.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_2\" hidden><span>If you are carrying a balance with your debts, this does not necessarily mean you&#8217;re struggling, but it may be an indication of financial difficulty. We can help you determine if a few adjustments are necessary, or if more significant action is suggested for your situation. We\u2019ll also help you to develop a plan you\u2019re happy with.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_3\" hidden><span>If you&#8217;re struggling with your payments and some end up being late or get missed, this is often a sign of financial distress. Through an appointment, we can help you to determine whether it is possible to catch up, or whether other options need to be explored to reduce your debt.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_4\" hidden><span>If you are receiving collections communication or repossession threats, the situation has become serious and increasingly time-sensitive. We highly recommend contacting us for help with this situation as soon as possible because your creditors are likely to take further action.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-3_5\" hidden><span>If creditors have initiated legal action, our ability to help becomes limited. You are welcome to call us for guidance but you\u2019re likely going to need legal assistance, which we cannot provide directly. We can connect you with the right professionals for your situation if this ends up being the case.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_1\" hidden><span>If you are currently without income, the top priority is covering your essential living expenses while trying to obtain income. We encourage you to focus on these essentials, and we\u2019re happy to assist you with understanding your financial options.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_2\" hidden><span>The income you receive from the government is intended for basic needs such as food and shelter, and therefore is protected from creditors. We can help you review your budget and consider your options with this type of income and\/or a mix of other income types.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_3\" hidden><span>The income provided by EI or government pensions can meet basic needs, but it might be a reduction from your previous income. We can help you to create or review your existing budget and identify some potential adjustments while providing guidance on any debts you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_4\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_5\" hidden><span>In respect to your self-employment, this type of employment offers freedom and flexibility, but also poses unique challenges for managing your finances. We can help sole proprietors and non-corporate business owners through budgeting and debt solutions. We often advise corporate owners\/directors to contact a more specialized expert in corporate finance.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-4_6\" hidden><span>Your type of income tends to yield more options to deal with debt compared to some other types. We can help you to understand your options, plan to improve your overall financial health, and answer any questions you may have.<\/span><\/pee><!-- [et_pb_line_break_holder] -->                <pee class=\"lines-to-reveal\" id=\"hidden-cta\" hidden><span>If you&#8217;d like to speak with a certified credit counsellor right now, call us at <a href=\"tel:1-888-527-8999\"><strong>1-888-527-8999<\/strong><\/a> or fill out the form below to request a call back. 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                 \t<!-- [et_pb_line_break_holder] -->                                \t\/* console.log(\"checkForClick -> True\");<!-- [et_pb_line_break_holder] -->                                  console.log(responses); *\/<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->                           \t\t}      <!-- [et_pb_line_break_holder] -->                          }<!-- [et_pb_line_break_holder] -->\t\t\t\t\t\t\t\t\t\t\t\t\tsetInterval(checkForClick, 5000);<!-- [et_pb_line_break_holder] -->                          <\/script><!-- [et_pb_line_break_holder] -->                  \t<\/div>\n<p><!-- [et_pb_line_break_holder] -->              <\/div>\n<p><!-- [et_pb_line_break_holder] -->        <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/form>\n<p><!-- [et_pb_line_break_holder] --><\/body><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;wave2&#8243; top_divider_flip=&#8221;vertical|horizontal&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;80px||100px||false|false&#8221; top_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;off|desktop&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text ol_position=&#8221;outside&#8221; ol_item_indent=&#8221;20px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; ol_line_height=&#8221;1.2em&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>The Next Steps From Here<\/h2>\n<p style=\"padding-bottom: 10px;\">Once you&#8217;ve completed our Questionnaire or called our toll-free number, here are the next steps we&#8217;ll take toward helping you solve your financial concerns:<\/p>\n<ol>\n<li>When you speak with one of our debt or credit counselling specialists during a confidential one-on-one, free appointment, you&#8217;ll provide details about your current financial situation, including your income, monthly expenses, assets, and the secured and unsecured debts you have.<\/li>\n<li>With what you tell your credit counsellor, they&#8217;ll review your current financial position and explain which debt management or debt consolidation programs will work best. We&#8217;ll walk you through the pros and cons of each and give you as much time as you need to decide on the right one for your situation.<\/li>\n<li>If you decide that our Debt Management Program (DMP) is best for you, your counsellor will contact your creditors and put a plan in place that lowers or eliminates interest charges going forward with a monthly payment that suits your budget. Once your credit counsellor starts putting a plan in place, you can explain that to debt collectors so that they stop persistently calling your home or work.<\/li>\n<li>Once the details of your DMP have been worked out, you will be required to pay a monthly payment to us, which will be distributed to your creditors, ensuring you can pay off your debts without hassle.<\/li>\n<li>If a DMP isn&#8217;t right for your situation, your credit counsellor will help you identify other options and solutions. Most people don&#8217;t know about some of the options your counsellor will share with you but everything from how to position yourself for a debt consolidation loan, to a debt settlement, legal solutions through the Bankruptcy and Insolvency Act, what to do when you really can&#8217;t pay your debts, or why a HELOC isn&#8217;t the best option for most people who want to get rid of their debt. If you&#8217;ve got questions, your counsellor has answers, and you don\u2019t have to figure it out alone.<\/li>\n<\/ol>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;none&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#E4F8E0&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;rgba(91,37,175,0.15)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#e7dff3 0%|rgba(255,255,255,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#e7dff3&#8243; background_color_gradient_end=&#8221;rgba(255,255,255,0.85)&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/credit-counselling-society-tv-interview-7.jpg&#8221; background_position=&#8221;top_center&#8221; z_index=&#8221;0&#8243; custom_padding=&#8221;28px||170px|||&#8221; custom_padding_tablet=&#8221;||150px||false|false&#8221; custom_padding_phone=&#8221;||120px||false|false&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;100px&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|tablet&#8221; background_enable_image_tablet=&#8221;off&#8221; background_size_tablet=&#8221;cover&#8221; background_position_tablet=&#8221;center_left&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; prev_background_color=&#8221;#ffffff&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;center&#8221; custom_margin=&#8221;||16px|||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>News &#038; Stories About People We&#8217;ve Helped<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;1500px&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>Want to learn more about the BC Credit Counselling Society? Occasionally, the news media will interview one or two Canadians we\u2019ve helped who are comfortable publicly sharing their stories. Here are several of these experiences with the Credit Counselling Society of BC:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;1500px&#8221; custom_padding=&#8221;||30px|||&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;1280px&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;  margin: auto;||  width: 50%;||&#8221; custom_css_main_element_phone=&#8221; &#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/client-1.jpg&#8221; url=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221; theme_builder_area=&#8221;post_content&#8221;]Global TV talks to Julia Fletcher after she pays off $10,000 in debt with 0 interest negotiated by the Credit Counselling Society. <a href=\"https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/Global-TV-Kelowna-March-29-2012.mp4\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; transform_scale_last_edited=&#8221;off|desktop&#8221; transform_translate_last_edited=&#8221;off|desktop&#8221; transform_translate_linked__hover=&#8221;off&#8221; transform_rotate_last_edited=&#8221;off|desktop&#8221; transform_skew_last_edited=&#8221;off|desktop&#8221; transform_origin_last_edited=&#8221;off|desktop&#8221; transform_styles_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/04\/client-2_3.jpg&#8221; url=&#8221;https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592&#8243; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|600|||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221; theme_builder_area=&#8221;post_content&#8221;]CTV reveals how Dan Robinson paid off $30,000 in debt interest free with help from the Credit Counselling Society. <a href=\"https:\/\/bc.ctvnews.ca\/help-to-pay-down-debt-1.597592\" target=\"_blank\" rel=\"noopener noreferrer\">See story<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; animation_style=&#8221;zoom&#8221; animation_direction=&#8221;top&#8221; animation_intensity_zoom=&#8221;5%&#8221; custom_css_main_element=&#8221;max-width: 530px;&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221; background__hover_enabled=&#8221;off|desktop&#8221; background_enable_color__hover=&#8221;off&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/client-4_3.jpg&#8221; url=&#8221;https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;|600|||||||&#8221; header_4_font_size=&#8221;22px&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221; theme_builder_area=&#8221;post_content&#8221;]Charis is interviewed by Global TV after nearly paying off $67,000 on 13 credit cards. The Credit Counselling Society helped her. <a href=\"https:\/\/globalnews.ca\/video\/3334199\/drowning-in-debt\" target=\"_blank\" rel=\"noopener noreferrer\">Watch<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||50px|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p style=\"text-align: center;\">See more <a href=\"https:\/\/nomoredebts.org\/press-media\">examples of the Credit Counselling Society in the news<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=&#8221;Media Logos &#8211; 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prev_background_color=&#8221;rgba(91,37,175,0.15)&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>Offering Free Consumer Debt &amp; Credit Counselling Services for Almost 30 Years<\/h2>\n<p>The Credit Counselling Society is one of <strong>Canada&#8217;s leading credit counselling and debt relief service providers<\/strong>. 98% of surveyed clients report they would recommend our services to others. Additionally, our BC credit counselling services, along with offices across Western Canada and in Ontario, have the Better Business Bureau\u2019s highest rating and over 80 awards. Having offices across Canada ensures our high-quality services are widely available to you.<\/p>\n<p>So, if you need help with your debts or just want to learn how to manage your money better, call us now at <a href=\"tel:1-888-527-8999\">1-888-527-8999<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;none&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; prev_background_color=&#8221;#E4F8E0&#8243; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>Why Choose Us?<\/h2>\n<p>For almost 30 years, the Credit Counselling Society has worked to assist all Canadians in becoming debt free. Through our debt consolidation and management assistance, and free services in credit counselling and financial education, we&#8217;ve helped our clients <strong>repay over $700 million in debt<\/strong>. More importantly, we have supported thousands of Canadians in regaining and improving their financial future.<\/p>\n<p>If you&#8217;re still considering whether we are the best choice for you, here are some more facts about the Credit Counselling Society and what we&#8217;ve achieved.<\/p>\n<h3>We Are Dedicated to Our Clients<\/h3>\n<p>Our mission is to educate our clients and help them overcome difficult financial situations. It&#8217;s also to inspire hope, showing you that it&#8217;s possible to reach and even exceed your financial goals.<\/p>\n<p>We at CCS do this by starting from a place of understanding, which is why we remain non-judgmental and open to hearing everything about your situation. We know everyone falls on hard times, and we don&#8217;t let that fact determine who you are.<br \/>After we get to know you and your financial situation better, we set about helping you to resolve and improve it through debt and credit counselling. We lay out the best debt repayment alternatives we have and show you how to create a monthly budget so you can carefully pay off your debts while covering all your routine expenses.<\/p>\n<p>We ensure our clients have all the necessary resources to pay their debts without worry or stress. If you\u2019re on a repayment program with CCS, we check in with you regularly, following up on your progress and making sure you continue to have the support you need to manage any bumps in the road as you work towards your goal to get out of debt.<\/p>\n<h3>Our Services are Trusted &amp; Proven<\/h3>\n<p>Because of our dedication to debt and credit counselling, British Columbia and Canada as a whole have recognized our service in many ways. One crucial recognition is our accreditation from several chapters of the Better Business Bureau across Canada. We have also been an accredited member of <a href=\"https:\/\/creditcounsellingcanada.ca\/\">Credit Counselling Canada (CCC)<\/a> since its beginning in 1996, and in 2017, we became the first International Affiliate of the <a href=\"https:\/\/www.nfcc.org\/\">National Foundation for Credit Counseling\u00ae (NFCC\u00ae)<\/a>. Along with our strong affiliations and acknowledgements from these institutions, we have also received numerous awards over the years for providing excellent service to our clients all across British Columbia.<\/p>\n<h3>Our Staff are Known for Being Caring and Non-Judgemental<\/h3>\n<p>Whether you are a client or an employee, there is a reason why we are well-recognized for our successful debt and credit counselling services \u2013 our culture. At every level, we are respectful, caring, and supportive, ensuring our employees experience an open and friendly workplace and our clients experience a professional, helpful, and non-judgmental service environment. This results in our services being as smooth and stress-free as possible.<\/p>\n<p>Of course, these are just some of the reasons to choose us for debt and credit counselling; British Columbia families and individuals will discover even more once they meet with us and talk about their financial future. <strong><a href=\"https:\/\/nomoredebts.org\/contact-us\">Contact us<\/a> today to get started!<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;wave2&#8243; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_tablet=&#8221;&#8221; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/03\/IMG_0087-Yasmine-3-e1582150961489.png&#8221; 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custom_css_main_element=&#8221;align-items: center;&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(91,37,175,0.7)&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|tablet&#8221; transform_translate=&#8221;86px|0px&#8221; transform_translate_tablet=&#8221;0px|0px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;240px||240px||false|false&#8221; custom_padding_tablet=&#8221;240px||215px||false|false&#8221; custom_padding_phone=&#8221;170px||230px||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; border_color_all=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1.2em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p style=\"text-align: left;\">It&#8217;s Okay to Ask for Help with Debt<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p style=\"text-align: left;\">&#8220;Life just happened. My debt got to the point where I started to feel like I was drowning. I didn\u2019t feel like I could fix it on my own, and I wanted to start living my life as an adult without debt. I decided to reach out for help. Feeling relieved, I knew that everything was going to be okay \u2013 a lot of work \u2013 but okay. I had a plan to pay back my debt and continue doing the things I love to do like yoga and travelling.&#8221;<\/p>\n<p style=\"text-align: left;\">&#8211; Yasmine<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;none&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|desktop&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_tablet=&#8221;80px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; z_index=&#8221;10&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; prev_background_color=&#8221;#000000&#8243; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;-30px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>About Our Credit Counselling &amp; Debt Counselling BC Services<\/h2>\n<p>The Credit Counselling Society has offered non-profit consumer credit counselling for over 25 years. 95% of Canadians who get in touch with us get the help they need without being charged a cent.<\/p>\n<h3>How Our Debt Management Program Works<\/h3>\n<p>While most of our services are free, if our <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\/debt-consolidation-program-dcp\">Debt Management Program<\/a> is right for you, there will be some minimal administrative costs. In this program, we consolidate all of your credit card and other unsecured debt payments into a single monthly payment that you can afford. These payments are made to us, and then we disburse monthly payments to your creditors, simplifying the process for you immensely.<\/p>\n<p>In addition, this debt consolidation service will eliminate or drastically reduce all credit card and debt interest charges going forward. While our assistance helps eliminate debt, allows you to re-establish your credit, protects your privacy, and gets your finances back in order as fast as possible, it&#8217;s just one of several ways we can help. We truly believe that the best debt consolidation in BC is a solution that enables someone to get back on the right track as soon as possible while helping them accomplish their long-term financial goals.<\/p>\n<p>Our approach differs greatly from some commission-focused debt advisors, credit consultants, financial counsellors, and credit advisors. However, we firmly believe that when someone is having a difficult time financially, they need to carefully consider all options available and concentrate on what will most help them in the long term. This is why we don&#8217;t pay any of our staff commission \u2013 only straight salaries. And no fee to you for the information and guidance we provide.<\/p>\n<p>In addition, to ensure our organization meets the highest national and international standards, we decided to join the most respected organizations in our industry in Canada and North America. We open ourselves to their audits in order to remain accountable to our peers and clients. We report to a <a href=\"https:\/\/nomoredebts.org\/about-us\/credit-counselling-society\/ccs-board-of-directors\">volunteer board of directors<\/a> and the Canada Revenue Agency. We\u2019re also the only Canadian organization in our industry to open its books to an external auditor every year.<\/p>\n<p>To benefit from working with one of our friendly, highly trained credit and debt counsellors, give us a call at 1-888-527-8999. Our help is free, confidential, and non-judgmental. The only thing you\u2019ve got to lose is your debt.<\/p>\n<p>The Credit Counselling Society of BC also provides <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\/bc\">alternatives to bankruptcy in British Columbia<\/a>. For anyone looking for debt counselling BC services to get help communicating with their creditors, here&#8217;s <a href=\"https:\/\/nomoredebts.org\/debt-help\/dealing-with-creditors#letters\">a resource you might find helpful<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;curve2&#8243; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_tablet=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_color=&#8221;#E7DFF3&#8243; z_index=&#8221;100&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;180px||73px||false|false&#8221; custom_padding_tablet=&#8221;150px||150px||false|false&#8221; custom_padding_phone=&#8221;110px||120px||false|false&#8221; bottom_divider_color=&#8221;#E7DFF3&#8243; bottom_divider_flip=&#8221;horizontal|vertical&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221; da_disable_devices=&#8221;off|off|off&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<h2>BC Credit Counselling &#038; Debt Consolidation FAQs<\/h2>\n<p>[\/et_pb_text][et_pb_accordion open_toggle_background_color=&#8221;#efedf2&#8243; closed_toggle_background_color=&#8221;rgba(181,157,213,0.25)&#8221; icon_color=&#8221;rgba(91,37,175,0.2)&#8221; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;20px&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; toggle_level=&#8221;h3&#8243; toggle_font_size=&#8221;18px&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;#e7dff3&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_accordion_item title=&#8221;In simple terms, what is credit counselling, and how can it help me?&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>For residents across British Columbia, credit counselling is simply a service that helps you manage your money and debts and improve your overall financial future. At the Credit Counselling Society of BC, our goal is to help all our clients get out from under their debts and shift toward financial stability and self-reliance. We do this by providing guidance and information on budgeting, debt repayment strategies, credit, and more.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Is your credit counselling service really free?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]Yes! We are a non-profit organization, which means our credit counselling services are completely free. Some of our additional services may incur small fees, but we always tell you about any costs upfront to be as transparent as possible. If you are interested in learning more, simply contact us at 1-888-527-8999, and we&#8217;ll answer any questions you may have \u2013 for free, of course.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Are your services confidential?&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]Yes, one of our top priorities when providing non-judgmental credit counselling services is respecting your privacy by keeping our meetings only between us. In addition, any information you provide about your financial situation is also kept private and stored securely. Following the strictest regulations and standards, we do not share any information without your explicit consent.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What types of debt can you help with?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]<\/p>\n<p>Our BC credit counselling experts can assist you in handling a wide range of debts, such as:<\/p>\n<ul>\n<li>Credit card debt<\/li>\n<li>Personal loans<\/li>\n<li>Payday loans<\/li>\n<li>Unpaid bills (such as utilities, cell phone bills, etc.)<\/li>\n<\/ul>\n<p>We focus more on unsecured debts than secured debts, but we will work with you to create a realistic budget that includes payments for your secured debts, too. Keeping up with your payments on secured debts, while making payments through CCS to your unsecured debts, can help protect your credit rating.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Does credit counselling impact my credit score?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]Meeting with us for your credit counselling session alone won&#8217;t impact your credit score. However, if you decide to enter into a Debt Management Program, a notation will be placed on your credit file that you are making payments through Credit Counselling Society. This will affect your score temporarily, but the impact will be less and more temporary than ongoing missed and late payments or bankruptcy. CCS has a special arrangement with the credit bureaus and will help you re-establish your credit rating once your program is done.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How do I know if I need credit counselling?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]<\/p>\n<p>There are many common signs that show when you may need to meet with one of our credit counselling specialists, including:<\/p>\n<ul>\n<li>Struggling to keep up with monthly payments<\/li>\n<li>Consistently relying on credit cards to pay for necessities like food, gas, electricity, etc.<\/li>\n<li>Feeling overwhelmed by debts with multiple creditors<\/li>\n<li>Losing sleep worrying about your debts and money<\/li>\n<\/ul>\n<p>Overall, when you notice your biggest stresses are financial, meeting with one of our credit counsellors at the Credit Counselling Society of BC will restore your peace of mind.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Do I need to be near bankruptcy to seek debt or credit counselling?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]<\/p>\n<p>No, our credit counselling services are available to anyone, whether they are facing financial hardship or not. In addition to helping individuals and families get a handle on their debt burdens, we seek to help everyone improve their budgeting and money management skills or prepare for the costs of a major life event, such as starting a family or moving to a new home.<\/p>\n<p>Seeking advice sooner rather than later can be a great way to prepare for tough financial challenges in the future, and we wholly support this approach.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What is the difference between debt counselling and credit counselling?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]While you may hear these terms interchangeably when talking about financial services, they differ slightly. The focus of debt counselling is to help you deal with existing debt issues, especially if your finances mainly involve struggling to pay your debts off. Debt counselling involves assessing your debts and coming up with options to reduce or repay them over time.<\/p>\n<p>Credit counselling does all of what debt counselling does, and more. Credit counselling is also about helping individuals and families manage their money and debt better. Credit counsellors will help you understand how to manage your finances effectively, create a budget, and use credit responsibly. The aim is to empower you with tools and strategies to avoid debt problems in the future, while still dealing with the debt you have.<\/p>\n<p>In short, debt counselling is about helping you work out current issues with your debt, and credit counselling is about helping you learn money skills while you\u2019re dealing with your debts so that you can avoid repeating those issues later on. Credit counsellors at CCS have got you covered; they do both, while also helping you create a stable financial future.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;If I book an appointment, what should I bring to my first credit counselling session?&#8221; open_toggle_text_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; open=&#8221;off&#8221;]<\/p>\n<p>There are several items you should bring to your first credit counselling session with the Credit Counselling Society. Here are some of the items we recommend you have ready:<\/p>\n<ul>\n<li>A complete list of your debts, including how much you owe and who your creditors are<\/li>\n<li>Any recent bills or statements from your creditors<\/li>\n<li>A draft or copy of your monthly budget (if you have one set up), or a list of your expenses<\/li>\n<li>Documents regarding your income (pay stubs, insurance benefits, etc.)<\/li>\n<\/ul>\n<p>While it may seem excessive, it&#8217;s an important step toward helping our counsellors provide the most accurate and tailor-made advice for your particular financial situation. But don\u2019t stress if you don\u2019t have it all ready for your appointment. Just do your best. We know this is a stressful situation and we don\u2019t want to make it worse.<\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\nLast Updated on April 11, 2025 \n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; top_divider_style=&#8221;wave2&#8243; top_divider_flip=&#8221;vertical&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_tablet=&#8221;70px&#8221; prev_background_color=&#8221;#E7DFF3&#8243; admin_label=&#8221;CTA &#8211; Need some help?&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;_initial&#8221; background_image=&#8221;\/wp-content\/uploads\/2020\/04\/man-calling-for-help-from-home-4.jpg&#8221; background_position=&#8221;top_center&#8221; height=&#8221;750px&#8221; 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text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;75%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;80px&#8221; custom_margin=&#8221;-15px||30px||false|false&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p>With Canada&#8217;s most trusted and highest accredited non-profit credit counselling service available in Canada here for you, what\u2019s holding you back?<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#hs-chat-open&#8221; button_text=&#8221;Online Chat&#8221; button_alignment=&#8221;center&#8221; admin_label=&#8221;Button 1&#8243; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; 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link_option_url=&#8221;\/about-us\/accredited-credit-counselling#better-business-bureau&#8221; background_last_edited=&#8221;off|desktop&#8221; background_image_phone=&#8221;\/wp-content\/uploads\/2020\/09\/description-nfcc-4.png&#8221; background_enable_image_tablet=&#8221;off&#8221; background_enable_image_phone=&#8221;on&#8221; custom_css_main_element=&#8221;width: 19%!important;||height: 100%;||display: grid;||margin-left: -35px;&#8221; global_colors_info=&#8221;{}&#8221; custom_css_main_element_last_edited=&#8221;on|phone&#8221; custom_css_main_element_tablet=&#8221;height: 100%;||display: grid;||margin: auto;||margin-top: 0;&#8221; custom_css_main_element_phone=&#8221;width: 100%!important;&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2022\/11\/bbb-accredited-bx-1.png&#8221; alt=&#8221;Accredited by the Better Business Bureau.&#8221; title_text=&#8221;Accredited by the Better Business Bureau&#8221; url=&#8221;\/about-us\/accredited-credit-counselling#better-business-bureau&#8221; align=&#8221;center&#8221; align_tablet=&#8221;left&#8221; align_phone=&#8221;center&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|tablet&#8221; transform_translate_tablet=&#8221;-50px|0px&#8221; transform_translate_phone=&#8221;0px|0px&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked_tablet=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|tablet&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|tablet&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|tablet&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; hover_transition_duration=&#8221;500ms&#8221; hover_transition_speed_curve=&#8221;ease-in-out&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221; src__hover_enabled=&#8221;off|desktop&#8221; src__hover=&#8221;\/wp-content\/uploads\/2020\/09\/description-nfcc-4.png&#8221; filter_opacity__hover_enabled=&#8221;on|hover&#8221; filter_opacity__hover=&#8221;0%&#8221; custom_css_main_element_last_edited=&#8221;on|desktop&#8221; custom_css_main_element_tablet=&#8221;position: absolute;||left: 35%;||padding-left: 16px;&#8221; custom_css_main_element_phone=&#8221;text-align: center;&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;50px|||||&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_toggle title=&#8221;BC Communities We Serve&#8221; open_toggle_background_color=&#8221;#E7DFF3&#8243; closed_toggle_background_color=&#8221;#E7DFF3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; title_text_color=&#8221;#666666&#8243; title_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<p><span style=\"font-size:12px;\"><span style=\"color: rgb(169, 169, 169);\"><strong>Vancouver Island &amp; BC Coast<\/strong><\/span><br \/><a href=\"\/canada-credit-counselling\/bc\/victoria\"><span style=\"color: rgb(169, 169, 169);\">Victoria<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/saanich\"><span style=\"color: rgb(169, 169, 169);\">Saanich<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/langford\"><span style=\"color: rgb(169, 169, 169);\">Langford<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/oak-bay\"><span style=\"color: rgb(169, 169, 169);\">Oak Bay<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/esquimalt\"><span style=\"color: rgb(169, 169, 169);\">Esquimalt<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/colwood\"><span style=\"color: rgb(169, 169, 169);\">Colwood<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/sooke\"><span style=\"color: rgb(169, 169, 169);\">Sooke<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/nanaimo\"><span style=\"color: rgb(169, 169, 169);\">Nanaimo<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/campbell-river\"><span style=\"color: rgb(169, 169, 169);\">Campbell River<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/courtenay\"><span style=\"color: rgb(169, 169, 169);\">Courtenay<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/comox\"><span style=\"color: rgb(169, 169, 169);\">Comox<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/duncan\"><span style=\"color: rgb(169, 169, 169);\">Duncan<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/parksville\"><span style=\"color: rgb(169, 169, 169);\">Parksville <\/span><\/a><span style=\"color: rgb(169, 169, 169);\">| <\/span><a href=\"\/canada-credit-counselling\/bc\/port-alberni\"><span style=\"color: rgb(169, 169, 169);\">Port Alberni<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/squamish\"><span style=\"color: rgb(169, 169, 169);\">Squamish<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/whistler\"><span style=\"color: rgb(169, 169, 169);\">Whistler<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/powell-river\"><span style=\"color: rgb(169, 169, 169);\">Powell River<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> <\/span><a href=\"\/canada-credit-counselling\/bc\/terrace\"><span style=\"color: rgb(169, 169, 169);\">|<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> <\/span><a href=\"\/canada-credit-counselling\/bc\/prince-rupert\"><span style=\"color: rgb(169, 169, 169);\">Prince Rupert<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/ladysmith\"><span style=\"color: rgb(169, 169, 169);\">Ladysmith<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/gibsons\"><span style=\"color: rgb(169, 169, 169);\">Gibsons<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/sechelt\"><span style=\"color: rgb(169, 169, 169);\">Sechelt<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/kitimat\"><span style=\"color: rgb(169, 169, 169);\">Kitimat <\/span><\/a><\/span><\/p>\n<p><span style=\"font-size:12px;\"><span style=\"color: rgb(169, 169, 169);\"><strong>Lower Mainland | Metro Vancouver<\/strong><\/span><br \/><a href=\"\/canada-credit-counselling\/bc\/west-vancouver\"><span style=\"color: rgb(169, 169, 169);\">West Vancouver<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/north-vancouver\"><span style=\"color: rgb(169, 169, 169);\">North Vancouver<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/vancouver\"><span style=\"color: rgb(169, 169, 169);\">Vancouver<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/burnaby\"><span style=\"color: rgb(169, 169, 169);\">Burnaby<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/coquitlam\"><span style=\"color: rgb(169, 169, 169);\">Coquitlam<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/port-coquitlam\"><span style=\"color: rgb(169, 169, 169);\">Port Coquitlam<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/new-westminster\"><span style=\"color: rgb(169, 169, 169);\">New Westminster<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/richmond\"><span style=\"color: rgb(169, 169, 169);\">Richmond<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/tsawwassen\"><span style=\"color: rgb(169, 169, 169);\">Tsawwassen<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/delta\"><span style=\"color: rgb(169, 169, 169);\">Delta<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/surrey\"><span style=\"color: rgb(169, 169, 169);\">Surrey<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/white-rock\"><span style=\"color: rgb(169, 169, 169);\">White Rock<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/langley\"><span style=\"color: rgb(169, 169, 169);\">Langley<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/port-moody\"><span style=\"color: rgb(169, 169, 169);\">Port Moody<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/pitt-meadows\"><span style=\"color: rgb(169, 169, 169);\">Pitt Meadows<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/maple-ridge\"><span style=\"color: rgb(169, 169, 169);\">Maple Ridge<\/span><\/a><\/span><\/p>\n<p><span style=\"font-size:12px;\"><span style=\"color: rgb(169, 169, 169);\"><strong>Fraser Valley<\/strong><\/span><br \/><a href=\"\/canada-credit-counselling\/bc\/aldergrove\"><span style=\"color: rgb(169, 169, 169);\">Aldergrove<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/abbotsford\"><span style=\"color: rgb(169, 169, 169);\">Abbotsford<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/chilliwack\"><span style=\"color: rgb(169, 169, 169);\">Chilliwack<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/mission\"><span style=\"color: rgb(169, 169, 169);\">Mission<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/hope\"><span style=\"color: rgb(169, 169, 169);\">Hope<\/span><\/a><\/span><\/p>\n<p><span style=\"font-size:12px;\"><span style=\"color: rgb(169, 169, 169);\"><strong>Interior<\/strong><\/span><br \/><a href=\"\/canada-credit-counselling\/bc\/prince-george\"><span style=\"color: rgb(169, 169, 169);\">Prince George<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/terrace\"><span style=\"color: rgb(169, 169, 169);\">Terrace<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/kamloops\"><span style=\"color: rgb(169, 169, 169);\">Kamloops<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/vernon\"><span style=\"color: rgb(169, 169, 169);\">Vernon<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/kelowna\"><span style=\"color: rgb(169, 169, 169);\">Kelowna<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/penticton\"><span style=\"color: rgb(169, 169, 169);\">Penticton<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/princeton\"><span style=\"color: rgb(169, 169, 169);\">Princeton<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/quesnel\"><span style=\"color: rgb(169, 169, 169);\">Quesnel<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> <\/span><a href=\"\/canada-credit-counselling\/bc\/terrace\"><span style=\"color: rgb(169, 169, 169);\">|<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> <\/span><a href=\"\/canada-credit-counselling\/bc\/williams-lake\"><span style=\"color: rgb(169, 169, 169);\">Williams Lake<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> <\/span><a href=\"\/canada-credit-counselling\/bc\/terrace\"><span style=\"color: rgb(169, 169, 169);\">|<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> <\/span><a href=\"\/canada-credit-counselling\/bc\/salmon-arm\"><span style=\"color: rgb(169, 169, 169);\">Salmon Arm<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/armstrong\"><span style=\"color: rgb(169, 169, 169);\">Armstrong<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/dawson-creek\"><span style=\"color: rgb(169, 169, 169);\">Dawson Creek<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/nelson\"><span style=\"color: rgb(169, 169, 169);\">Nelson<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/trail\"><span style=\"color: rgb(169, 169, 169);\">Trail<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/cranbrook\"><span style=\"color: rgb(169, 169, 169);\">Cranbrook<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/castlegar\"><span style=\"color: rgb(169, 169, 169);\">Castlegar<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/merritt\"><span style=\"color: rgb(169, 169, 169);\">Merritt<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/revelstoke\"><span style=\"color: rgb(169, 169, 169);\">Revelstoke<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/kimberley\"><span style=\"color: rgb(169, 169, 169);\">Kimberley<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/summerland\"><span style=\"color: rgb(169, 169, 169);\">Summerland<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/osoyoos\"><span style=\"color: rgb(169, 169, 169);\">Osoyoos<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/oliver\"><span style=\"color: rgb(169, 169, 169);\">Oliver<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/duck-lake\"><span style=\"color: rgb(169, 169, 169);\">Duck Lake<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/smithers\"><span style=\"color: rgb(169, 169, 169);\">Smithers<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/creston\"><span style=\"color: rgb(169, 169, 169);\">Creston<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/fernie\"><span style=\"color: rgb(169, 169, 169);\">Fernie<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/fort-st-john\"><span style=\"color: rgb(169, 169, 169);\">Fort St. John<\/span><\/a><span style=\"color: rgb(169, 169, 169);\"> | <\/span><a href=\"\/canada-credit-counselling\/bc\/grand-forks\"><span style=\"color: rgb(169, 169, 169);\">Grand Forks<\/span><\/a><\/span><\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;response-div&#8221; _builder_version=&#8221;4.14.7&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;150px&#8221; custom_padding=&#8221;50px||||false|false&#8221; custom_padding_tablet=&#8221;5px||70px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_module=&#8221;42910&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_code admin_label=&#8221;Survey&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<html><!-- [et_pb_line_break_holder] -->  <\/p>\n<style><!-- [et_pb_line_break_holder] -->    .overall-container {<!-- [et_pb_line_break_holder] -->\t\t\tmargin: auto;<!-- [et_pb_line_break_holder] -->  \t\twidth: 60%;<!-- [et_pb_line_break_holder] -->\t\t\theight: 50px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .face-container {<!-- [et_pb_line_break_holder] -->      display: block;<!-- [et_pb_line_break_holder] -->      margin-left: auto;<!-- [et_pb_line_break_holder] -->      margin-right: auto;<!-- [et_pb_line_break_holder] -->      width: 300px;<!-- [et_pb_line_break_holder] -->      height: 90px;<!-- [et_pb_line_break_holder] -->      padding-top: 20px;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    #section-1 {<!-- [et_pb_line_break_holder] -->      float: left;<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      width: 60px;<!-- [et_pb_line_break_holder] -->      padding-right: 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