Welcome to Credit Counselling Services of Newfoundland and Labrador
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 complicated minor life events. Your life does not have to be like that! At Credit Counselling Services of Newfoundland and Labrador we will work hard to make things better for you financially.
Our professionally trained credit counselors provide services to all residents of Newfoundland and Labrador. Our credit counsellors will help deal with your financial concerns and help you find opportunities for positive change.
How can you help me?
We will set an appointment for you to speak with a professional credit counsellor. During that appointment, your counsellor will review your financial situation, begin to design a personal budget, and provide you with other information and recommendations to help address your concerns.
Is there a fee for your service?
Our counselling sessions are always free of charge; you may speak with a counsellor as many times as necessary, at no cost.
If you choose to enroll in our Debt Repayment Program, a one-time setup fee will apply, along with a minimal cost recovery amount. Certain fees are always waived in cases of hardship.
How can you help with debt repayment?
A Credit Counsellor will develop an alternative repayment process which is presented to creditors for consideration. Conditional to this proposal is a significant reduction in interest charges or their elimination entirely. Our proposals are generally accepted in approximately 97% of cases. Due to interest rate reductions, clients generally become debt free within five years. Once an agreement has been made with each creditor, they will be asked to contact us instead of the client with any questions or concerns until the debts are fully paid.
BOOK FREE APPOINTMENT
Our first commitment is guarding your privacy. Your counsellor will discuss this with you in great detail during your initial appointment.