YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

LOAN CALCULATOR

The Loan Calculator allows you to determine your monthly payments for any loan amount in which you know the principal amount, interest rate and payment term.. Choose "Amortize This" to view the whole table, or choose "Monthly Payment" to quickly find your monthly payment.

DEBTORS RIGHTS

There is a law that requires collectors to clearly identify themselves when they contact you. A collector may contact you by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as early in the morning or late at night. Check your provincial laws to see what time frames apply. CREDIT CARD PAYMENT CALCULATOR The Credit Card Payment Calculator allows you to determine how long it will take to pay off your credit card debt. These calculations are not exact. The purpose here is to give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt. When deciding which debts to pay off most quickly, it is a ENFORCEMENT OF A JUDGMENT A creditor who has obtained a judgement has the right to seize and sell some of the debtor’s property to satisfy the debt. This process is called executing against the debtor’s property. The goods seized must be completely owned by the debtor, without liens or mortgages attached to them. Each province’s Execution Act exempts certain DEALING WITH CREDITORS Phone calls. Speak to somebody in a position of authority: If you have problems you may call the creditors you owe the money to. If the person that you talk to is not helpful, ask to speak to his or her supervisor. Do not get angry. Always keep a record of the person you spoke with, company name, date, time, phone number and what was said. COMPARE THE 7 BEST DEBT FREE SOLUTIONS 7. Bankruptcy. Everyone has heard of bankruptcy and many people think it is the only answer to overwhelming debt. But in most cases bankruptcy is not the best solution. In a bankruptcy, you pay a monthly payment that is determined by the government based on your income, to your creditors and your Bankruptcy Trustee. STOP CREDITOR HARASSMENT If you have a credit card debt or owe money on a personal loan, a mortgage or any other type of loan then you are referred to as a “debtor”. In Canada there is a reported $210 billion dollars in outstanding consumer debt, not including mortgages. There are 44.1 million Visa and MasterCards in Canada alone. 46% of those cards carry

a balance.

BUY NOW...PAY LATER

Fees. Don’t think that you are going to walk out of the store without paying a red cent. You can expect to pay at the very least a fee ranging from $35.00 at the Bay to $49.95 at the Brick for the privilege of buying now and paying later. Add to that another 14.50 % to cover the taxes on the purchase price. The taxman does not defer

the taxes

THE FREE POST-SECONDARY EDUCATION DEBATE The debate between free or user pay post secondary education continues with usual arguments fanning the flames with hot air and ideology. In an article published today in the Vancouver Sun, we have been told that a new study from one sociology professor in California reveals that those who have to pay for their education do better than those who get free education. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

LOAN CALCULATOR

The Loan Calculator allows you to determine your monthly payments for any loan amount in which you know the principal amount, interest rate and payment term.. Choose "Amortize This" to view the whole table, or choose "Monthly Payment" to quickly find your monthly payment.

DEBTORS RIGHTS

There is a law that requires collectors to clearly identify themselves when they contact you. A collector may contact you by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as early in the morning or late at night. Check your provincial laws to see what time frames apply. CREDIT CARD PAYMENT CALCULATOR The Credit Card Payment Calculator allows you to determine how long it will take to pay off your credit card debt. These calculations are not exact. The purpose here is to give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt. When deciding which debts to pay off most quickly, it is a ENFORCEMENT OF A JUDGMENT A creditor who has obtained a judgement has the right to seize and sell some of the debtor’s property to satisfy the debt. This process is called executing against the debtor’s property. The goods seized must be completely owned by the debtor, without liens or mortgages attached to them. Each province’s Execution Act exempts certain DEALING WITH CREDITORS Phone calls. Speak to somebody in a position of authority: If you have problems you may call the creditors you owe the money to. If the person that you talk to is not helpful, ask to speak to his or her supervisor. Do not get angry. Always keep a record of the person you spoke with, company name, date, time, phone number and what was said. COMPARE THE 7 BEST DEBT FREE SOLUTIONS 7. Bankruptcy. Everyone has heard of bankruptcy and many people think it is the only answer to overwhelming debt. But in most cases bankruptcy is not the best solution. In a bankruptcy, you pay a monthly payment that is determined by the government based on your income, to your creditors and your Bankruptcy Trustee. STOP CREDITOR HARASSMENT If you have a credit card debt or owe money on a personal loan, a mortgage or any other type of loan then you are referred to as a “debtor”. In Canada there is a reported $210 billion dollars in outstanding consumer debt, not including mortgages. There are 44.1 million Visa and MasterCards in Canada alone. 46% of those cards carry

a balance.

BUY NOW...PAY LATER

Fees. Don’t think that you are going to walk out of the store without paying a red cent. You can expect to pay at the very least a fee ranging from $35.00 at the Bay to $49.95 at the Brick for the privilege of buying now and paying later. Add to that another 14.50 % to cover the taxes on the purchase price. The taxman does not defer

the taxes

THE FREE POST-SECONDARY EDUCATION DEBATE The debate between free or user pay post secondary education continues with usual arguments fanning the flames with hot air and ideology. In an article published today in the Vancouver Sun, we have been told that a new study from one sociology professor in California reveals that those who have to pay for their education do better than those who get free education. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

OUR SERVICES

Reduce debt by up to 80% using Debt Canada’s Trusted Debt Solutions Experts. Our Debt Solutions Experts offer a complete portfolio of specialized services designed to get Canadians out of debt, once, and for all. We have been in the business of helping people with their finances for over 40 years. Our trained and professional staff have

HELP AND TIPS

In fact, according to an article written by CBC News, "More than half of all new car loans are currently financed for 84 months — seven years — or longer." Furthermore, according to data from J.D. Power, between 2010 and 2015 the average monthly car payment rose from $522 to $542. Not only are Canadians extending their repayment terms but

GET DEBT HELP

Talk To A Debt Expert. Contact Debt Canada at: Local. 604-588-9491. Toll Free. 1-877-588-9491. Fax. 604-588-9007. Email. DEBT CONSOLIDATION CANADA A debt consolidation loan is usually a personal loan that allows you to consolidate your unsecured debt such as credit card debt, lines of credit, overdraft protection on your bank accounts and maybe even your car loan in to one manageable monthly payment. We recommend that you make your payments Bi-weekly that way you will save even more money BLOG - DEBT CANADA: YOUR CANADIAN CREDIT EDUCATION CENTRE Debt is a negative and perhaps even worse, too boring a topic for politicians and the media. This all happened at a time when the total consumer debt outstanding (excluding mortgages) in Canada was almost $200 billion up from $20 billion in 1975 and destined to reach $535

billion in 2015.

IS YOUR DEBT ACCEPTABLE? Average Canadian Debt. The average consumer debt (non-mortgage) of Canadians these days is just shy of $21,000 (according to Equifax Canada in a report released March 3, 2015). That’s 2.9% higher than last year. In December 2014, household debt in Canada was a record high of 163% of disposable income, leading Canada’s central bank to

issue

MARGARET JOHNSON'S VIDEO LIBRARY Margaret H. Johnson ACE, RQIC, is a thought leader in the field of credit education and debt management. In this series of video interviews, Margaret asks today's youth questions about credit and finance to find out how much the average person on the BUDGETING - DEBT CANADA: YOUR CANADIAN CREDIT EDUCATION CENTRE Budgeting. To me as a credit counsellor, it is clear that when it comes to holiday spending we are most often our own worst enemies. Some of us for example leave the dreaded shopping trip until the last minute and hope for a combination of adrenalin and inspiration to get us through yet another season. Or, for some it takes a little

“festive

WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

LOAN CALCULATOR

The Loan Calculator allows you to determine your monthly payments for any loan amount in which you know the principal amount, interest rate and payment term.. Choose "Amortize This" to view the whole table, or choose "Monthly Payment" to quickly find your monthly payment.

DEBTORS RIGHTS

There is a law that requires collectors to clearly identify themselves when they contact you. A collector may contact you by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as early in the morning or late at night. Check your provincial laws to see what time frames apply. DEALING WITH CREDITORS Phone calls. Speak to somebody in a position of authority: If you have problems you may call the creditors you owe the money to. If the person that you talk to is not helpful, ask to speak to his or her supervisor. Do not get angry. Always keep a record of the person you spoke with, company name, date, time, phone number and what was said. ENFORCEMENT OF A JUDGMENT A creditor who has obtained a judgement has the right to seize and sell some of the debtor’s property to satisfy the debt. This process is called executing against the debtor’s property. The goods seized must be completely owned by the debtor, without liens or mortgages attached to them. Each province’s Execution Act exempts certain COMPARE THE 7 BEST DEBT FREE SOLUTIONS 7. Bankruptcy. Everyone has heard of bankruptcy and many people think it is the only answer to overwhelming debt. But in most cases bankruptcy is not the best solution. In a bankruptcy, you pay a monthly payment that is determined by the government based on your income, to your creditors and your Bankruptcy Trustee. STOP CREDITOR HARASSMENT If you have a credit card debt or owe money on a personal loan, a mortgage or any other type of loan then you are referred to as a “debtor”. In Canada there is a reported $210 billion dollars in outstanding consumer debt, not including mortgages. There are 44.1 million Visa and MasterCards in Canada alone. 46% of those cards carry

a balance.

BUY NOW...PAY LATER

Fees. Don’t think that you are going to walk out of the store without paying a red cent. You can expect to pay at the very least a fee ranging from $35.00 at the Bay to $49.95 at the Brick for the privilege of buying now and paying later. Add to that another 14.50 % to cover the taxes on the purchase price. The taxman does not defer

the taxes

WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. THE FREE POST-SECONDARY EDUCATION DEBATE The debate between free or user pay post secondary education continues with usual arguments fanning the flames with hot air and ideology. In an article published today in the Vancouver Sun, we have been told that a new study from one sociology professor in California reveals that those who have to pay for their education do better than those who get free education. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

LOAN CALCULATOR

The Loan Calculator allows you to determine your monthly payments for any loan amount in which you know the principal amount, interest rate and payment term.. Choose "Amortize This" to view the whole table, or choose "Monthly Payment" to quickly find your monthly payment.

DEBTORS RIGHTS

There is a law that requires collectors to clearly identify themselves when they contact you. A collector may contact you by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as early in the morning or late at night. Check your provincial laws to see what time frames apply. DEALING WITH CREDITORS Phone calls. Speak to somebody in a position of authority: If you have problems you may call the creditors you owe the money to. If the person that you talk to is not helpful, ask to speak to his or her supervisor. Do not get angry. Always keep a record of the person you spoke with, company name, date, time, phone number and what was said. ENFORCEMENT OF A JUDGMENT A creditor who has obtained a judgement has the right to seize and sell some of the debtor’s property to satisfy the debt. This process is called executing against the debtor’s property. The goods seized must be completely owned by the debtor, without liens or mortgages attached to them. Each province’s Execution Act exempts certain COMPARE THE 7 BEST DEBT FREE SOLUTIONS 7. Bankruptcy. Everyone has heard of bankruptcy and many people think it is the only answer to overwhelming debt. But in most cases bankruptcy is not the best solution. In a bankruptcy, you pay a monthly payment that is determined by the government based on your income, to your creditors and your Bankruptcy Trustee. STOP CREDITOR HARASSMENT If you have a credit card debt or owe money on a personal loan, a mortgage or any other type of loan then you are referred to as a “debtor”. In Canada there is a reported $210 billion dollars in outstanding consumer debt, not including mortgages. There are 44.1 million Visa and MasterCards in Canada alone. 46% of those cards carry

a balance.

BUY NOW...PAY LATER

Fees. Don’t think that you are going to walk out of the store without paying a red cent. You can expect to pay at the very least a fee ranging from $35.00 at the Bay to $49.95 at the Brick for the privilege of buying now and paying later. Add to that another 14.50 % to cover the taxes on the purchase price. The taxman does not defer

the taxes

WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. THE FREE POST-SECONDARY EDUCATION DEBATE The debate between free or user pay post secondary education continues with usual arguments fanning the flames with hot air and ideology. In an article published today in the Vancouver Sun, we have been told that a new study from one sociology professor in California reveals that those who have to pay for their education do better than those who get free education. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

OUR SERVICES

Reduce debt by up to 80% using Debt Canada’s Trusted Debt Solutions Experts. Our Debt Solutions Experts offer a complete portfolio of specialized services designed to get Canadians out of debt, once, and for all. We have been in the business of helping people with their finances for over 40 years. Our trained and professional staff have CONTACT - DEBT CANADA: YOUR CANADIAN CREDIT EDUCATION CENTRE Get Debt Help. Tell us about your situation. Fill out our Debt Consolidation Form.. General Contact Information. DebtCanada.ca, a credit education Web site, is an initiative of Solutions™ Credit Counselling Service Inc., a Federally Registered Canadian Company located in Surrey, British Columbia, Canada.

HELP AND TIPS

In fact, according to an article written by CBC News, "More than half of all new car loans are currently financed for 84 months — seven years — or longer." Furthermore, according to data from J.D. Power, between 2010 and 2015 the average monthly car payment rose from $522 to $542. Not only are Canadians extending their repayment terms but

CREDIT INFORMATION

Budgeting Calculators. › Loan Calculator. › Debt Investment Calculator. › Credit Card Payment Calculator. › Strategis

Calculators.

CREDIT CARD PAYMENT CALCULATOR The Credit Card Payment Calculator allows you to determine how long it will take to pay off your credit card debt. These calculations are not exact. The purpose here is to give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt. When deciding which debts to pay off most quickly, it is a IS YOUR DEBT ACCEPTABLE? Average Canadian Debt. The average consumer debt (non-mortgage) of Canadians these days is just shy of $21,000 (according to Equifax Canada in a report released March 3, 2015). That’s 2.9% higher than last year. In December 2014, household debt in Canada was a record high of 163% of disposable income, leading Canada’s central bank to

issue

BUY NOW...PAY LATER

Fees. Don’t think that you are going to walk out of the store without paying a red cent. You can expect to pay at the very least a fee ranging from $35.00 at the Bay to $49.95 at the Brick for the privilege of buying now and paying later. Add to that another 14.50 % to cover the taxes on the purchase price. The taxman does not defer

the taxes

BUDGETING - DEBT CANADA: YOUR CANADIAN CREDIT EDUCATION CENTRE Budgeting. To me as a credit counsellor, it is clear that when it comes to holiday spending we are most often our own worst enemies. Some of us for example leave the dreaded shopping trip until the last minute and hope for a combination of adrenalin and inspiration to get us through yet another season. Or, for some it takes a little

“festive

WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

LOAN CALCULATOR

The Loan Calculator allows you to determine your monthly payments for any loan amount in which you know the principal amount, interest rate and payment term.. Choose "Amortize This" to view the whole table, or choose "Monthly Payment" to quickly find your monthly payment.

DEBTORS RIGHTS

There is a law that requires collectors to clearly identify themselves when they contact you. A collector may contact you by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as early in the morning or late at night. Check your provincial laws to see what time frames apply. DEALING WITH CREDITORS Phone calls. Speak to somebody in a position of authority: If you have problems you may call the creditors you owe the money to. If the person that you talk to is not helpful, ask to speak to his or her supervisor. Do not get angry. Always keep a record of the person you spoke with, company name, date, time, phone number and what was said. CREDIT CARD PAYMENT CALCULATOR The Credit Card Payment Calculator allows you to determine how long it will take to pay off your credit card debt. These calculations are not exact. The purpose here is to give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt. When deciding which debts to pay off most quickly, it is a ENFORCEMENT OF A JUDGMENT A creditor who has obtained a judgement has the right to seize and sell some of the debtor’s property to satisfy the debt. This process is called executing against the debtor’s property. The goods seized must be completely owned by the debtor, without liens or mortgages attached to them. Each province’s Execution Act exempts certain STOP CREDITOR HARASSMENT If you have a credit card debt or owe money on a personal loan, a mortgage or any other type of loan then you are referred to as a “debtor”. In Canada there is a reported $210 billion dollars in outstanding consumer debt, not including mortgages. There are 44.1 million Visa and MasterCards in Canada alone. 46% of those cards carry

a balance.

THERE IS NO DEBTOR PRISON No, you cannot go to jail for not paying your debts. There is no such thing as debtor prison. If the debtor either cannot or will not pay the debt, the creditor has several possible courses of action to attempt to enforce the judgment. WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. THE FREE POST-SECONDARY EDUCATION DEBATE The debate between free or user pay post secondary education continues with usual arguments fanning the flames with hot air and ideology. In an article published today in the Vancouver Sun, we have been told that a new study from one sociology professor in California reveals that those who have to pay for their education do better than those who get free education. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

LOAN CALCULATOR

The Loan Calculator allows you to determine your monthly payments for any loan amount in which you know the principal amount, interest rate and payment term.. Choose "Amortize This" to view the whole table, or choose "Monthly Payment" to quickly find your monthly payment.

DEBTORS RIGHTS

There is a law that requires collectors to clearly identify themselves when they contact you. A collector may contact you by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as early in the morning or late at night. Check your provincial laws to see what time frames apply. DEALING WITH CREDITORS Phone calls. Speak to somebody in a position of authority: If you have problems you may call the creditors you owe the money to. If the person that you talk to is not helpful, ask to speak to his or her supervisor. Do not get angry. Always keep a record of the person you spoke with, company name, date, time, phone number and what was said. CREDIT CARD PAYMENT CALCULATOR The Credit Card Payment Calculator allows you to determine how long it will take to pay off your credit card debt. These calculations are not exact. The purpose here is to give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt. When deciding which debts to pay off most quickly, it is a ENFORCEMENT OF A JUDGMENT A creditor who has obtained a judgement has the right to seize and sell some of the debtor’s property to satisfy the debt. This process is called executing against the debtor’s property. The goods seized must be completely owned by the debtor, without liens or mortgages attached to them. Each province’s Execution Act exempts certain STOP CREDITOR HARASSMENT If you have a credit card debt or owe money on a personal loan, a mortgage or any other type of loan then you are referred to as a “debtor”. In Canada there is a reported $210 billion dollars in outstanding consumer debt, not including mortgages. There are 44.1 million Visa and MasterCards in Canada alone. 46% of those cards carry

a balance.

THERE IS NO DEBTOR PRISON No, you cannot go to jail for not paying your debts. There is no such thing as debtor prison. If the debtor either cannot or will not pay the debt, the creditor has several possible courses of action to attempt to enforce the judgment. WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. THE FREE POST-SECONDARY EDUCATION DEBATE The debate between free or user pay post secondary education continues with usual arguments fanning the flames with hot air and ideology. In an article published today in the Vancouver Sun, we have been told that a new study from one sociology professor in California reveals that those who have to pay for their education do better than those who get free education. YOUR CREDIT EDUCATION SPECIALISTS™ Your Credit Education Specialists™. Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through credit counselling

OUR SERVICES

Reduce debt by up to 80% using Debt Canada’s Trusted Debt Solutions Experts. Our Debt Solutions Experts offer a complete portfolio of specialized services designed to get Canadians out of debt, once, and for all. We have been in the business of helping people with their finances for over 40 years. Our trained and professional staff have COMPARE THE 7 BEST DEBT FREE SOLUTIONS 7. Bankruptcy. Everyone has heard of bankruptcy and many people think it is the only answer to overwhelming debt. But in most cases bankruptcy is not the best solution. In a bankruptcy, you pay a monthly payment that is determined by the government based on your income, to your creditors and your Bankruptcy Trustee. CREDIT CARD PAYMENT CALCULATOR The Credit Card Payment Calculator allows you to determine how long it will take to pay off your credit card debt. These calculations are not exact. The purpose here is to give an approximation of the finance charges that will accrue at a given rate of repayment of credit card debt. When deciding which debts to pay off most quickly, it is a

DID YOU KNOW?

Did You Know? You can and should order your credit report at least once per year. You can correct any errors, check for identity fraud, and know what your creditors know about you. There are two separate credit reporting agencies in Canada, Equifax Canada and TransUnion Canada, and each may have different information about you in their

files

SECURED VISA CARD

Secured Visa Card. Thank you for your interest in the Home Trust Secured Credit Card! You have made a step in the right direction. This credit card is the only Secured VISA card in Canada and it will help you to establish your credit quickly.

BUY NOW...PAY LATER

Fees. Don’t think that you are going to walk out of the store without paying a red cent. You can expect to pay at the very least a fee ranging from $35.00 at the Bay to $49.95 at the Brick for the privilege of buying now and paying later. Add to that another 14.50 % to cover the taxes on the purchase price. The taxman does not defer

the taxes

CREDIT RATING 101

In Canada, credit scores range from 300 (just getting started) up to 900 points, which is the best score. According to TransUnion, 650 is the magic middle number - a score above 650 will likely qualify you for a standard loan while a score under 650 will likely bring difficulty in receiving new credit. WHAT CAN I DO IF I CAN’T PAY MY BILLS? May 8, 2013. Most people are honest and want to pay their debts, however, for a variety of reasons may be unable to do so. People can have trouble paying their bills for a variety of reasons including illness, injury, job loss, divorce, or poor financial planning. FINANCIAL SEPARATION Generally speaking, you and your spouse will still be held responsible for any and all debts incurred during the marriage. In other words, the monthly credit card statements will continue to arrive even after the separation. However, to avoid future problems, it is a good idea to close all joint credit accounts upon agreement to formally

separate.

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* Home

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* Debt Collectors

* Debt Consolidation Canada

* Debtors Rights

* Money Management

* Payday Loans

* Article Library

* Video Library

* Industry Contacts & Links

* Our Services

* Blog

* Help and Tips

* Compare the 7 Best Debt Free Solutions * Dealing with Creditors * Financial Planning Tips * Money Management Rules

* Did You Know?

* Tools

* Loan Calculator

* Debt Investment Calculator * Credit Card Payment Calculator

* More Calculators

* Contact

* Contact Information

* Get Debt Help

WHERE TO LEARN ABOUT DEBT MANAGEMENT & THE CREDIT INDUSTRY IN CANADA. If you want to learn about dealing with debt in Canada, you have discovered the best resource available. We’re proudly 100% Canadian. We’re all about credit education! It's a great way to reduce financial worries. Just ask these stress-free folks strolling Long Beach, on BC's Pacific Rim. Proudly Canadian, like this resort on beautiful Cape Breton, NS. People from across Canada can use help with debt management, and we do

that.

Downtown Toronto, Ontario: the financial capital of Canada, and home to people we've helped. FYI: we're not owned by a U.S. corporation. Grain from the Canadian Prairies symbolizes one of the foundations of Canada's economy. We've helped folks in rural locations like this. Banff National Park, generating tourism revenue for Canada. There may be no better symbol of quiet Canadian strength than the Rocky

Mountains.

The bison, symbol of Manitoba, and yet another icon of quiet Canadian

strength.

Calgary, Alberta: oilpatch capital. Home to Canada's petroleum economy, as well as many people we've helped over the years. The majestic Horseshoe Falls at Niagara. Canadians are proud of this amazing natural feature, shared with the USA but quietly considered

"ours".

Skating on the Rideau Canal. One of the most iconic sights in the catalogue of Canadiana. Debt relief allows people to enjoy themselves

like this more.

This big guy is real, not like the one on the Toonie. Financial planning sometimes involves saving small change for big occasions. Not the bird on the Loonie. But Canadian nonetheless, this goose is heading on a long journey. Something we all like to do once in a

while.

‹

›

Margaret Johnson's Video Library Tools, Calculators & Resources Speak To A Debt Expert YOUR CREDIT EDUCATION SPECIALISTS™ Debt Canada, a credit education website, is an initiative of Solutions™ Credit Counselling Service Inc. , a Federally Registered Canadian company located in Surrey, BC. Our mission is to help our clients get out of debt, and to understand the practice of sound money management through

credit counselling

, debt

management

and

credit education  services. The creation of ths resource website is a part of the work we do to further that mission. Find out more about us ... Welcome to DebtCanada, your Canadian Credit Education Centre. Here are our latest articles, presented for your budgeting and financial planning inspiration! ROBOTS MONEY AND HUMAN NATURE I’m happy to see that all the money I spent on art classes for my children may pay off in the future when robots take over. At least that’s one futuristic prediction flowing from Douglas Todd

’s latest

well-written article in the Vancouver Sun entitled, _Robots are coming to work. Is a guaranteed income far behind?_

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DEBT AND BANK FRAUD

Today there is good and bad news. The good news came from a StatsCan report about all of the household debt in Canada that many  experts have been complaining about – how Canadians have been accused of being bad money managers but guess what? This report confirms that we are not broke and precariously dangling from a cliff of troublesome household debt, but quite the opposite. Canadians have significant assets to back all of the debt – and more. There is a net-worth surplus. As published recently by the Vancouver Sun, a former chief economic analyst for Stats Can, Philip Cross, revealed that two-thirds of the $1.8 trillion in household debt were mortgages. Finally someone agrees with what I’ve been saying for many years.

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IS YOUR DEBT ACCEPTABLE? It’s easy to tell if your debt is affordable, either you can make the payments along with your other expenses, or you can’t. But if you can “afford” your debt, does that make it acceptable? What may help with that answer is knowing how your debt compares to that of

other Canadians.

Do you know if you have more debt than your neighbours, or more than the average Canadian? If you do have above-average levels of consumer debt, realizing that could be a wake-up call.

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