CREDIT COUSELLING NORTH BATTLEFORD

THERE ARE ALTERNATIVES TO BANKRUPTCYWE CAN REDUCE YOUR DEBT BY UP TO 80% TODAY

CREDIT COUNSELLING NORTH BATTLEFORD

Consumer Proposals

Consumer Proposals North Battleford

One of the best approaches to providing debt relief and positioning yourself for a the future. Consumer proposals are legally binding agreement with your creditors that puts a stop to wage garnishments and calls from debt collectors. It consolidates your debts, freezes interest charges and protects the assets you do have from seizure. Consumer proposals provides an agreement between you and your creditors for a payment over a period of time of a portion of what you owe and forgiveness of the balance of the debt you owe.

Credit Counselling

Credit Counselling North Battleford

This is a voluntary agreement between you and the creditors to reduce your monthly payments to a more manageable about. An agreement is made with us who work with your creditors on your behalf to lower interest costs with creditors who participate. Typically there is no reduction in the total principal and this does not effect your credit.

Loan Consolidation

Consolidation Loans North Battleford

If you have a good credit score but are overburden by debt payments you may qualify for a Consolidation Loan allowing you to pay off a number of unsecured debts and other liabilities by combining them into one larger debt with more favourable pay-off terms, lower interest rates and lower monthly payments.

Bankruptcy

Bankruptcy North Battleford

Governed by the Bankruptcy and Insolvency Act, bankruptcy is a formal process whereby debtors who cannot meet their obligations sign over all of their assets—except those exempt by law—to a Licensed Insolvency Trustee (LIT). The LIT's role includes selling off those assets to satisfy outstanding debts.

Our Impact

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Significanlty reducing your overall debt.

Reducing your debt payments.

Giving our clients a fresh start .

Top of Mind Topics

Options to Bankruptcy

Bankruptcy is not the only option.

In this article we discuss why bankruptcy should be your last choice for dealing with excessive debt.  

Credit Score

Get your credit score for free.

There are 2 main credit reporting agencies in Canada: Equifax & TransUnion. There are free credit scoring services available.

Reducing Debt

What kind of DEBTS can be reduced?


A common question is what kind of debts can be reduced. Find out more about secured and unsecured debts and what can be reduced.

Vehicle Payments

Less Stress Vehicle Payments


In our experience, vehicle payments can be excessive from the start. Some dealerships have the buyer stretched to beyond their capability given the fact that maintenance and operating costs may be new to the buyer. We can help correct that.

Testimonials

Amanda Peterson photo

Consumer Proposal


"Thanks to the team at Balance Credit Counselling, I was able to significantly reduce my debt and my payments. They have put me into a position where I believe I have a future now. I feel better and more optimistic about the future."

Get Professional Help

If you feel overwhelmed, stressed out, and feel like you have the weight of the world on your shoulders, call us. We can provide the help you need to get back your life. To feel good again. To start fresh.

People Shaking Hands

Canadian Financial Statistics 

$2,627

This is the average amount of credit card debt that each Canadian carries. 

$22,000

Canadians carry $22,000 in non-mortgage debt on average, according to Equifax, which includes credit cards, lines of credit and installment loans.

169.4%

The household debt-to-income ratio now stands at 169.4, up 23 per cent from a decade ago, and on par with what the US saw at the peak of its housing bubble. 

40 Years

Don’t forget, a credit card balance of as ‘little’ as $6,000 can take more than 40 years to pay off if only the minimum payments are made.)

Contact Us For Your Free Initial Consultation

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BCC provides consumers burdened with debt a fresh start. We provide free initial consultations to explain all your debt-relief options, including credit counselling, debt settlement, debt consolidation, consumer proposal and personal bankruptcy.
We serve Canadian Consumers