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Elephant In The Room
Every Tuesday
3:30pm – 4:30pm
Starting Aug 2, 2022

Where
One Roof
484 Albert St. Kingston

Join us in a safe space to chat about difficult topics. Gain and share information about weekly topics related to stigma, harm reduction and peer support.

Have topics suggestions/questions or comments?
Email: hcarpenter@resolvecounselling.org
Text/Call: (613) 217-4925

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Tyendinaga Mohawk Territory
June 17-18, 2022
Community Wellbeing Centre (Mohawks of the Bay of Quinte)
50 Meadow Dr Deseronto, ON, K0K 1X0

We Are Here To Help
If you attended a Federal Indian Day School, you may be eligible for compensation.

A Community Support Session will be held to connect you and others in your community with support from a Claims Assistant.
We will help you fill out or check the status of a Claim Form or an Estate Claim, and can connect you with legal, cultural and wellness supports – in-person, by phone or by computer.

View a list of eligible schools and register for your personal session today at indiandayschools.com/en/tyendinaga
or by calling 1-877-515-7525.

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Caring Dads is a group program focused on helping families by supporting fathers. The fathers we support are individuals who are at risk of being, or have been, abusive or neglectful towards their children or children’s mother. Our view is that fathers love their children and yet some fathers struggle with showing this love. That’s why one of the primary aims of the program is to help fathers understand how important they are and how they can impact their children in healthy or unhealthy ways.

The program covers many different topics about fathering while linking them back to the three fundamental relationships a father has:

1. His relationship with his children,
2. His relationship with his children’s mother (whether or not they are in a romantic relationship or are co-parenting), and
3. His relationship with himself.

Every child deserves to experience the love and support of both of their parents and this is where you can help!

Our goal is to raise $10,000.  Can you help? 

If you are in a position to be able to make a donation, we invite you to make a tax-deductible gift through the link below and it will take you to the charity search engine where you will search for the Resolve Counselling Services Canada – Caring Dads page to donate.

Tamarack Ottawa Race Weekend

Once you have arrived at the page, please follow these steps:

1. In the search for a team name bar, type: Resolve and hit enter or click on the magnifying glass.
2. This will populate the Resolve Counselling Services Canada – Caring Dads Program option.

Please click the blue donate button beside: Resolve Counselling Services Canada – Caring Dads.

1. This will take you to the Caring Dads page.
2. At the top, please select one of the donation amount buttons and fill out your donation information. In the personal message field, please feel free to provide an individual comment.  
3. Once you have filled in all of your donation information, please click the green “donate now” button.

If you are unable to give but still want to help, please share the link with others who may wish to support the Caring Dads Program.

This campaign is successful because of people just like you. It encompasses friends, families, co-workers, neighbours and caring organizations in communities across Canada.

Thank you.

The post We Have Been Registered as an Official Charity Partner in the Tamarack Ottawa Race Weekend appeared first on Resolve Counseling Services Canada.

1. If you received your student loan funding directly through the government, it would have been issued to you through the National Student Loan Centre. The NSLC has two departments:

• If you attended a public university, college or technical institute, call 888-815-4514
• If you attended a private trade school, vocational institute or career college, call 866-587-7452

Here are the names of some of the portions that you may encounter:

• Canada Integrated Student Loan
• Ontario Integrated Student Loan
• Can-Ont Integrated Student Loan

2. If you received your student loan funding through a bank, start with the following departments:

• Scotiabank Student Loans 888-284-3044
• CIBC Student Loans 800-563-2422 or 877-338-5469
• Royal Bank Student Loans 800-363-3822

Here are the names of some of the portions that you may encounter:

• Canada (federal) Student Loan
• Ontario (provincial) Student Loan
• Bank Risk Portion

??? Questions to ask ???

→ Can I please identify the name, account # and balance of each loan portion originating with you?
→ Am I eligible for interest relief on any portions?
→ Am I eligible for a revision of terms (reduced payment arrangement direct with the bank/NSLC)?

If you obtained your funding through a bank and they were not able to successfully collect the debt from you, some portions may have defaulted and been sent back to the government. Call these numbers:

• National Student Loan Centre refer to #’s above (federal or integrated student loans)
• Human Resources and Skills Development Canada 855-340-2786 (federal or integrated student loans)
• Ontario Shared Services** 705-564-7069 (provincial student loans)
  **OSS may have one further portion called a Loan Forgiveness Overpayment

If the loan is in good standing the National Student Loan Centre (NSLC) has a repayment assistance program which is wonderful at working with the student to come up with a payment arrangement that fits within their financial circumstances.

At any step during the process, the bank, NSLC, HRSDC, OSS or government department may advise you that your account has been sent to and is being handled by a third party collection agency. Ask whether you can continue to deal with them directly, or whether you must make arrangements with the collection agency.

If the student loan defaulted it will be split into 2 different portions, such as the federal portion and the provincial portion. These portions may then be sent to various collection agencies.Once the loan is split it can difficult and time consuming to locate.

If the loan defaulted, contact Resolve Credit and Financial counselling. We can work out a payment arrangement between an individual and the creditor. Some portions of the defaulted loan may qualify for stopped or reduced interest once the client signs onto the Debt management program.

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Canadians owe $2.3 TRILLION.
Canadians owe $1.77 for every $1.00 they have to spend.
Credit Card companies worldwide generate $200 Billion in fees and interest annually.

Credit Card debt is very expensive and since banks and credit card companies generate so much revenue they will not likely change their business model.  Canadians therefore need to be much more prudent with these financial products.  Since the start of the pandemic many people have been using credit to maintain their lifestyle.

With many Canadians working from home, there’s been an increase in spending on home improvements. The next time you look at your credit card statement find out how long it will take you to pay it off, if you only make the minimum payment. Here’s a quote from Albert Einstein:  “compound interest is the 8th wonder of the world. He who understands it, earns it…he who doesn’t…pays it”.

If you are carrying a balance on your credit card, I encourage you to make a plan to pay it off. If you don’t have a “written” budget, now is the time to start one. By writing down a budget you can visually see your income and expenses, you will become more organized, more accountable – to both yourself and your family, and it will help you plan for your future. As Benjamin Franklin said:Start with your monthly income and then make a list of your fixed expenses. These expenses do not change, for example, your rent, car payment and car insurance. After you deduct your fixed expenses from your income the amount left over is for variable expenses, debt and hopefully savings.  Go to your on-line banking for the past few months to get an idea of where you have been spending your money.

Look for ways to cut or reduce some of these expenses, for example, cut back on eating out or take out, meal plan so you are not throwing food out, buy fruit and vegetables in season which is cheaper. You can also find great savings through electronic coupons like FLIPP.  Challenge yourself to find a few more ways to reduce some expenses. These savings can be used to reduce your credit card debt.

Many people spend more time planning their vacation than managing their money.  A budget is quite easy to set up on spread sheet, but it takes discipline to follow.  Of course we all have on-going expenses but try to be intentional with each purchase.

It’s hard to stay motivated unless you have a goal and it’s best to write it down because you are more likely to follow it.

For example:  Goal – Pay off credit card in 8 months.
Balance – $2400
Monthly payment – $300 + interest.
The interest amount is written on your statement.

Please note:  this will only work if you stop using your credit card.

It’s also important to continue to save rather than pay more on your credit card. What typically happens is that some unexpected expense comes up, and if you don t have the savings to pay it, then you are back using your credit card.

Many people have all kinds of payments being charged to their credit card on a monthly basis like Netflix.  If you are not paying your balance in full every month then you are paying credit card interest for these purchases which could have been paid from your bank account.

Congratulate yourself once your credit card is paid off and continue to be vigilant in keeping it paid in full.

Now you can start $aving…Write out a savings goal and think about what Albert Einstein stated about compound interest.

Having a plan to repay your debt will go a long way in reducing your financial stress.  Take a look over this step-by-step guide to begin to pay down your debt: https://www.canada.ca/en/financial-consumer-agency/services/debt/plan-debt-free.html or give us a call at 1 800-379-5556….. we are here to help.

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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 financial issues and now is no different.

If you’re ready to put a plan in place to work towards getting out of debt, we can help.

If you are just looking to have a supportive chat about the “what if” and “down the road” of managing your finances, we can do that too.

We may not physically be in our offices but we are in our virtual offices and ready to listen.

The post Do you have debt problems or need help budgeting and managing your money better? appeared first on Resolve Counseling Services Canada.

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 institutions are doing all they can to assist during this time.

Resolve Credit & Financial Counselling Services has been advised that creditors will work with clients on a Debt Management Program during this difficult time and if you are a current client please be advised that while our offices are closed, our credit counsellors are still available to support you via phone and email.

1-800-379-5556 or info@resolvecounselling.org

We encourage anyone that is concerned about creditors response to the pandemic to call a Credit Counsellor for information regarding their situation.

We are working diligently to collect a list of resources and customer service numbers that we will share on our website and Facebook page in the coming days.

Please take of yourself and your family, remember we’re all in this together and are here to help.

The post COVID-19 Update: Resolve Credit & Financial Counselling Services appeared first on Resolve Counseling Services Canada.

Don’t buy into online shopping fraud

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It pays to check: help stop counterfeit notes

Cash is a quick and easy method of payment. But each time you accept a bank note (bill) without checking it, you risk becoming a victim of counterfeiting… read more

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What is real estate fraud?

With advances in technology, consumers need to stay vigilant. Criminals are getting craftier and more skilled in identity and data theft. Once they have… read more

How fraudsters target older Canadians and what to watch for

According to CARP, Canada’s largest non-partisan, non-profit advocacy association for older adults, 35% of its more than 300,000 members report that… read more

The post Financial Literacy Newsletter – Fraud Prevention appeared first on Resolve Counseling Services Canada.

Thank you for making a difference in the lives of individuals, families, groups, and communities each and every day. #SocialWorkWeek2019

The post March 4-8 is Social Work Week. appeared first on Resolve Counseling Services Canada.