Credit Counselling in Red Deer
Take the first step to rebuilding your financial stability with confidential and informed credit counselling sessions.
Credit Counselling and Your Finances
Are you struggling to make the minimum payments on your credit cards? Is debt causing you stress and anxiety? If you feel like your credit card debt will never end or want to better manage your money, Credit Counselling can help put an end to your stress and financial burdens. Here at Blanchard & Company Ltd., we believe that everyone deserves financial freedom because debt does not define you.
Credit Counselling and Your Privacy
We understand how difficult it can be to talk about debt, but it is nothing to be embarrassed of. Life happens and not always the way that you planned. Maybe you have fallen on hard times or simply made a mistake. Regardless of your circumstances, our credit counselling sessions are confidential and free from personal bias. We are to here to listen to your concerns, help you make sense of your current financial situation and develop realistic goals while delivering informed and impartial information.
All of our credit counselling sessions in Red Deer are private and confidential. We know that it can be difficult to open up about your personal finances and we appreciate the trust that every client has places in us here at Blanchard & Company Ltd. We never share your personal information and everything we discuss stays right here in our Red Deer office. Taking credit counselling sessions at Blanchard & Company Ltd. will not affect your credit rating, your creditors won’t even know that we are meeting unless you explicitly ask us to approach them.
How Credit Counselling Works in Red Deer, AB
1. Get started on your path to a financial free future.
At Blanchard & Company Ltd., we want you feel confident about your financial decisions. For this reason, we offer FREE consultations. You can be certain that you are accessing the best Debt-Free solution for your personal circumstances.
Contact us today to book your credit counselling sessions so you can learn how to eliminate your current debts and maintain financial freedom in the future.
2. Discuss your finances with a licensed professional.
Your personal credit counsellor will take an in-depth look into your finances and spending habits to help you make sense of your current situation and plot a course to eliminate your debt in manageable and stress-free steps.
3. Get back in control of your finances.
Sometimes it only takes one session to get your spending back under control. If you require additional assistance, our team will be there to support you every step of the way. We are only a phone call away if you want to review your budget or make a plan to pay off an unanticipated expense. We are also here to help you look at further steps you can take to become debt free if credit counselling is not the best solution for you.
Benefits of Credit Counselling at Blanchard & Company Ltd.
- Closely examine your money habits with the help of a licesend professional
- Form a manageable and sustainable spending budget
- Help you understand and repair your credit score, when necessary
- Find ways to save you money and avoid future financial struggles
- Get one-on-one help from a knowledgeable insolvency counsellor
- Peace of mind knowing that your personal information stays confidential
The committed team at Blanchard & Company have made it their mission to provide all their clients with high-quality and reliable insolvency services in order to relieve them of their financial burdens and set them up for a financially free future.
Blanchard & Company cares about your privacy. You can feel confident when visiting their safe and judgment-free office that they will provide you with the most suitable insolvency options to fit your needs. Their licensed team of professionals will also provide a thorough education on your current financial conditions and insolvency options, so you can feel confident that you will make more well-informed decisions in the future.
FAQ – Credit Counselling
What does credit counselling do?
Credit counselling will point you in the right direction to find the debt solution that best suits your unique situation. It’s a process in which a certified counsellor will help you navigate the financial settlement tools available to reduce debt and simplify the repayment process, including financial education, budgeting, lower interest rates, and reduced monthly payments.
Will credit counselling hurt my credit?
Talking with a credit counsellor will not directly impact your credit score, but signing up for any debt management plans might have an impact on your credit. For instance, if your counsellor is able to negotiate a lower debt repayment amount on your behalf, it will appear on your credit report as a settled account. This will remain on your credit report for up to 3 years and can lower your credit score.
Is it better to pay off a debt or settle?
When possible, it is better for your credit to pay off your debt in full. Settling your debts with the help of a certified credit counsellor means that your creditors have agreed to let you pay off less than the full amount, but debt repayment plans will appear on your credit report for an average of 3 years. Notes on your credit report negatively impact your credit and your chances of obtaining future financing.
How can I get out of debt without paying the full amount?
Seek help from an accredited credit counsellor. We can help you create a debt management plan that will eliminate some of your debt and lower the interest rate that you pay, saving you money in the long run and helping you get out of debt faster.
Are there any disadvantages to debt counselling?
- You cannot obtain more credit while in credit counselling.
- It will cost you a little bit of money since the fees are established by law.
- It can take longer to pay off your debts if you pay a smaller amount each month.
Book your appointment today
Feel confident that you are taking the right steps towards a debt-free future by contacting us today for a FREE consultation.