Do you have debt problems or need help budgeting and managing your money better?

  TEXT ONLY: We recognize there is a lot of uncertainty in many aspects of life right now. Certainly, keeping up with credit payments and watching interest accrue can be an added worry. We’ve always been here to offer free advice on how to deal with credit and other...

Message to Our Valued Clients and Agency Stakeholders Due to the current environment, our office locations are closed to the public but our continued service to you during this challenging time is of the utmost importance to us.  Our counselling services remain available by...

Here are the phone numbers for the majority of Mortgage lenders. Mortgage Payment Relief Scotia Bank – 1-800-472-6842 TD Bank 1-866-222-3456 Bank of Montreal 1-877-895-3278 CIBC 1-800-465-2422 Royal Bank 1-800-769-2511 First National 1-888-488-0794 Manulife...

Many people are living paycheque to paycheque and an interruption in income can heighten anxiety during the best of times. There is no denying that COVID-19 will have short and long term effects on families. This is a shared experience for all Canadians, and Governments and financial...

In response to Public Health’s suggestions to engage in social distancing to limit the spreading of COVID-19, Resolve Counselling Services is postponing all clinics and groups, and will offer phone counselling to all its clients until April 6, 2020, and will re-assess at this...

How accurate is the information? We found a very interesting article regarding credit scores and wanted to share it. Just click on the image below to be taken to the article. Do you have debt problems or need help budgeting and managing your money better? We can help you stop...

Did you know that according to the Bank of Canada, when a Canadian-dollar account, deposit or negotiable instrument held or issued by a federally-regulated bank or trust company has been inactive for 10 years and the owner cannot be contacted, it is considered an “unclaimed...

A government study a few years ago showed that the average Canadian was spending 31% of pretax income on housing costs. With the rapidly increasing cost of electricity and heat, due in large part to Smart Meters and HST, we can say that many people spend half of their after-tax pay just...

Almost all financial institutions offer some sort of line of credit whether it is unsecured or secured by the equity in your home. One of the main benefits of this type of loan is that it offers the convenience of being able to write your own loan. This enables an individual to...

Source: Financial Literacy Newsletter - March 2019 - Canada.ca Don’t buy into online shopping fraud The online world may offer tremendous convenience to consumers, but it’s also an anonymous space for fraudsters, who swindled more than… read...

There is an old expression which applies top many people who are faced with credit card debts and that is “the most expensive item you will ever buy is the one bought on credit”. We live in a society today where the emphasis has switched from saving toward the purchase of an item to...

It is important to understand that this problem is not going to go away without some help. A creditor is allowed to call you anytime between 7:00 am and 9:00 pm every day of the week except Sundays and Statutory holidays. Creditors can also call you at work which can be extremely...