We went thru my debts, my expenses etc and set up a "rough draft" of a payment plan. She told me to think about it, but I was so comfortable with her and with the solution, I had her make up the plan right then. I handed over all my credit cards to Josie, signed on the bottom line and walked out feeling like I weighed just a few ounces. I felt great!

 

I have talked to my counsellors a few times since then, and never have I been judged, talked "down" to, or felt intimidated or stupid. I feel comfortable calling the centre and asking for further help or advise. I have never been treated with anything other than the outmost respect from everyone I have talked to.

 

I have referred a relative to the centre as they too are feeling like they can't find the light at the end of the tunnel. I would not hesitate to refer anyone else to Credit Canada. They are very professional and outstanding in all they do. I'm so glad I finally made that call!

 

 

It's hard to believe that after working through the program, I've finally completed it! And thanks to all of you, I managed to turn a potentially devastating situation into a positive one, full of lessons learned and goals achieved! I couldn't have done it without your help! Your program is a god-send and I am so grateful for its existence! Despite my challenges throughout the program, you've treated me with courtesy and respect during each and every contact. You guys rock! - J.T.

 

I guess you could say I had a spending problem. I'm not proud of it, but it was part of how I kept myself going. I'd reward myself when I was feeling down or weak. By telling myself I deserved this or that, it somehow gave me the strength to carry on - particularly after my husband died. Of course, it couldn't go on. I just wasn't making enough money for what I was spending. But I'm also not the type to go bankrupt. I tried to fix the problem myself. The first time my debts came to a head, I got a consolidation loan. I even looked for a better job so I could earn a little more. But then I had to work harder, too, and I gave myself more gifts because of that. I went to the bank a second time, and they let me borrow again. The third time, they said no, and that's when everything started to get out of hand. That's when it ended. I found Credit Canada through my brother. He took me there for my first interview. I didn't thank him then, I was too ashamed, but I do thank him now. They really helped me. They made me feel okay. Now I make myself feel better every time I budget my money. I am a better person. The rewards I take now move my life forward. It took me a little more than two years to get debt free, and now, two years after that, I've saved enough to go back to school. I'm truly happy." - N.S.

 

I have never been so embarrassed in my life as the day I walked into Credit Canada as everyone there knew I was there for one reason: I was drowning in debt. I met my counsellor, Josie, and she never judged me, never slapped my wrist and said "bad girl" etc. She made me feel so comfortable and at ease. Unlike many other agencies dealing with money and credit matters, this agency is not digging me a hole, it is taking me out of the hole.