Out-of-control debt and other financial worries are stressful. These things damage our life and the lives of people around us. Financial worries can affect mental health, cause trouble in relationships and complicate minor life events. But it doesn't have to be like that! Help is available with people who understand and who specialize in managing debt. At Credit Counselling Services of Newfoundland and Labrador we'll work hard to make things better for you financially. Our professionally trained credit counsellors will deal with your financial concerns and help you find opportunities for positive change.
We offer many services including:
We will help you:
Why not contact Credit Counselling Services of Newfoundland and Labrador today. Whether you need one-on-one counselling, help from an unbiased third party or assistance with retiring debt; Credit Counselling Services of Newfoundland and Labrador is all about you and your needs.
In your initial appointment your counsellor will review your income, expenses, assets, debt and other concerns to determine your overall financial position. Your counsellor will then discuss your debt management options and budget counselling.
We have offices in St. John's and Corner Brook serving clients from coast to coast in person or by phone. Contact one near you and speak confidentially with one of our trained credit counsellors.
If you choose to repay your personal debt through our Debt Repayment Program, we will work with you and your creditors to arrange a monthly payment where the creditor also agrees to reduce or eliminate the interest being charged. Your debt will be consolidated with our agency where you’ll be required to make one monthly payment, which will then be disbursed to your creditors on a monthly basis. CCSNL does not pay off the balances; rather becomes an intermediary between the client and creditor. Once the arrangement is in place, creditors are then asked to contact us rather than the client if questions arise regarding an account.
Remember, with us it's all about you finding an equitable resolution to your financial trouble.