The Credit Counsellor You Can Trust

We can walk you through the process of forming good financial habits and getting back on your feet in the shortest amount of time possible. Our professionals will help you learn effective budgeting so that you can maintain your financial solvency long after your bankruptcy is discharged. We’ll show you how to make sure that you only have to go through the stress of bankruptcy once.

What is Credit Counselling?

Credit counselling is a service that helps individuals and families in Ontario manage their debts and improve their financial situation. It involves working with a trained credit counsellor who can help you create a realistic budget, develop a debt management plan, and provide guidance on how to build and maintain good credit.

At its core, credit counselling is about empowering individuals and families to take control of their finances and achieve long-term financial stability.

How Credit Counselling Works

Credit counselling typically begins with a free initial consultation with a trained credit counsellor. During this consultation, the counsellor will review your financial situation, including your income, expenses, debts, and assets. They will then work with you to create a realistic budget that takes into account your income and expenses, and helps you prioritize your debts.

From there, the counsellor may recommend a debt management plan, which involves negotiating with your creditors to reduce your interest rates and monthly payments. This can help make your debts more manageable and easier to pay off.

In addition to debt management, credit counselling can also provide guidance on building and maintaining good credit. This may include tips on how to improve your credit score, how to use credit responsibly, and how to avoid common financial pitfalls.

Benefits of Credit Counselling

Credit counselling can provide a number of benefits for individuals and families in Ontario who are struggling with debt. Some of the key benefits include:

• Improved Financial Management: Credit counselling can help you develop the skills and knowledge you need to manage your finances effectively, including creating a realistic budget, reducing your debts, and building good credit.
• Reduced Stress: Financial difficulties can be extremely stressful, and credit counselling can help alleviate some of that stress by providing guidance and support.
• Better Credit: Credit counselling can help you build and maintain good credit, which can have a significant impact on your financial future.
• Avoiding Bankruptcy: For individuals who are considering bankruptcy, credit counselling may provide an alternative solution that can help them avoid the negative consequences of bankruptcy.

Working with a Credit Counsellor

If you’re considering credit counselling, it’s important to choose a reputable credit counselling agency that has experience working with individuals and families in Ontario. Look for an agency that is licensed and accredited, and has a track record of providing effective and compassionate service.

Working with a credit counsellor can be an important step in taking control of your finances and achieving long-term financial stability. If you’re struggling with debt, don’t hesitate to reach out to a credit counselling agency in Ontario today to schedule a free consultation and learn more about how credit counselling can help you.

Credit Counsellor with Windsor & Chatham Offices

With a credit counsellor in Windsor and Chatham, you’re never far from an S. Funtig and Associates office. This is important, since your first credit counselling session must occur between 10 and 60 days after your bankruptcy filing, and the second session must take place within 210 days of the filing. Our 3 convenient locations ensure that getting to our offices will be as expedient as possible for you.

Contact Us Now

If you are considering filing for bankruptcy, be sure to contact your nearest S. Funtig and Associates office today for assistance. We can guide you competently through the process, making sure you meet all deadlines and are compliant with Canadian bankruptcy law in every way. Furthermore, our professional credit counsellors will help you ensure that your financial issues are short-lived and that your money management skills negate the possibility of future problems.