No one in Newfoundland needs constant calls from creditors and sleepless nights. So you'll be glad to know debt help is at hand with the DEBTMANAGERS Credit Counselling Program. One call to one of our credit counselling professionals and you will soon see how we can help you turn bad credit around and be debt free.
Chances are, one of our credit counselling professionals can help you if you are suffering from personal financial problems in Newfoundland.
With just a simple phone call, one of our credit counselling experts will determine how we can go to work to help you cut your monthly bills to one, easily affordable amount. Then, we will build a personalized plan to help you get rid of your debt once and for all. Our credit counselling experts have helped over 18 residents in Newfoundland, just like you.
Call one of our licensed and experienced, credit counselling professionals now. You will start to feel better right away.
Your initial consultation with one of our credit counsellors will often start by examining your personal financial situation, including your monthly expenses, your income and any financial concerns you have. DebtManagers’ credit consultations can help you to better control your finances by offering simple budgeting tips that every Newfoundland resident on a budget should know. Our licensed credit counselling professionals will work with you to develop a bill consolidation program customized for your personal financial needs. Together, we will make sure you get a realistic, livable budget, pay off your debt and restore your good credit to ensure long term financial success. We know what a tremendous relief this will be- being in debt can be quite stressful and one's ability to pay off bills can relieve the individual of unneeded anxiety. Join the more than 18 Newfoundland residents who have already benefited financially and emotionally from our credit counselling program. Credit counselling services can help any Newfoundland resident avoid filing for bankruptcy and help them to keep a good credit score: it takes years to build a good credit score but only moments to turn it into a bad credit score.
Often our credit counsellors start helping Newfoundland residents by consolidating current debts. Here's how it works: Our credit counselling professionals will negotiate with all of your creditors on your behalf...
...and then set up a single monthly payment, often lower than you are currently paying and often with lower interest charges. We will re-arrange your current debt including any credit card debt to make your monthly load more manageable. Our Credit Counsellors even build our modest fee into your single, manageable monthly payment. Learn more about bill consolidation and our Debt Consolidation program from one of our skilled and licensed credit counselling professionals in our Learning Center.
Our credit counselling professionals will answer your questions today, and give you ideas to take control of your situation right away. Even if you plan to use your own debt settlement or bill consolidation strategy, our credit counselling specialists can help, just like we have helped over 18 other Newfoundland residents. Call our office for credit counselling today. Your credit repair or debt management program needs to begin with an understanding of your personal circumstances. One fast call to our toll free number will do the trick. Remember there is never any pressure from our credit counsellors or obligation on your part to join the Debt Managers program. Our credit counselling experts have shown residents in Newfoundland how they can get credit help, repair good credit, avoid bankruptcy, and consolidate debt payments into one, single, manageable amount, each month.
If you are living in Newfoundland, have more than $10,000 in debt and a source of income, our credit counselling specialists can help you. With just one phone call, you can put our team of licensed credit counselling professionals and managers to work for you. We will customize a program using our specialized systems to help you get back on track and stay there.
So whether you want to restore your good credit, avoid bankruptcy, or consolidate debt, our credit counselling experts are ready to help you solve your financial problems today. Make the call now and put an end to the stress. Or use the form above and have one of our credit counselling professionals call you at the most convenient time and place.
No. We provide a Debt Management Program (sometimes referred to as a DMP) rather than a loan.
One of our expert counsellors will confidentially assess your present financial position with you, either in person, on-line, or over the telephone. Your personal credit counsellor will work with you to prepare a budget and arrange to deal with your creditors. Then the company will help you manage your debts on an ongoing basis by collecting one, single manageable payment per month from you (or two, depending on your personal cash flow) and distribute it to your creditors.
In virtually all cases your creditors will be more than happy to deal with our credit counsellors and file managers, and will generally cease all collections activity as long as you maintain your Debt Management Program.
No, though the results are very similar. With our Debt Management Program, you are responsible for a single monthly payment to cover all of your outstanding debt payments, and the result is a lower payment than you are currently making to you creditors. We will also support you with credit counselling, so that you can get debt-free and stay that way.
Simply put: Creditors are more willing to lower payments, stop collection agencies from calling, freeze, reduce and or even waive interest rate charges for our Clients and accept more proposals from Debt Managers than any other.
Clients on our Debt Management Program repay 100% of the debt owed to all their Creditors in an average of 4 to 5 years compared to an average of only 30% repaid to creditors on other debt repayment programs. Our Clients take great pride in paying their debts fully and in the end, restore their credit faster.
No. With other debt poolers, it may feel like you just walked into a used car dealership. Not at DebtManagers. You'll be glad to know NONE of our Call Centre or Account Managers are commissioned sales people. Our seasoned debt managers are here to provide you with free, sound advice, to review your options with no obligation or pressure to join. We would never make false claims or force anyone to join a program that you would not benefit from. Take your time. When you are ready, we'll be here for you.
Yes. As a 20 year old, well-established and 100% Canadian owned debt pooler, our extensive network of national and regional creditors means we are able to negotiate the best possible debt repayment proposal on your behalf. That means lower monthly payments that offset administration fees - and leave money left over so you can live your life.
We Give Back. Our Corporate, Social and Caring Responsibilities reflect who we are and what we do. It extends to not only our valued clients but also the communities in which we are privileged to live and serve across this great nation. Through targeted charitable giving, active employee volunteerism and free online educational programs, seminars and tools - we not only provide help for those in debt - we also focus on the less fortunate, the vulnerable and those on limited incomes.
The Debt Management Program and Credit Counselling is a voluntary program both on your part and on the part of your creditors, however, creditors tend to view your participation in a Debt Management Program in a positive light as it demonstrates a sincere effort to repay your debts. Generally, creditors recognize that our Debt Management Program and Credit Counselling is a positive indication of this effort, and as long as payments are made under the Debt Management Program, will not take any other collections activity. Also, if you enter into an agreement to start the Debt Management Program your credit rating may be affected, as creditors may notify the Credit Bureau that you have entered into an arrangement, and file an R7 rating on your file. Even if you change your mind, your creditors may not be willing to change your rating back to what it was before you started. It is important that you fully understand that the Debt Management Program is a serious commitment, as backing out of it may make it difficult or even impossible to restore your credit rating to what it was before you started on a Debt Management Program. If you are not sure that the Debt Management Program and Credit Counselling is for you, or that you are genuinely committed to completing the program, it is important that you don't make an agreement that could come back to cause you problems later.
Contact your credit counsellor for assistance in dealing with the creditor, in many cases a DMP will forestall action on a judgment or garnishee order, and your File Manager may be able to negotiate an arrangement that will satisfy both you and your creditor to eliminate legal actions. If you currently have judgments or a garnishee order, call our 1-800-774-5779 toll free number and talk to one of our counsellors. The counsellor may be able to help immediately.
In some cases, as it depends on where you are at right now. About 50% of people already have this rating and don't realize it. Your creditors will rate your accounts with an R7 rating with the Credit Bureau, which indicates that you have entered into a voluntary arrangement to make payments.
Yes. Three years after completing your Debt Management Program, the R7 rating will disappear.
Yes! At DebtManagers we assign seasoned and professional Personal Debt Managers to every Client who joins the program. This means we remain in constant contact with you throughout your entire debt repayment program providing you with a greater sense of comfort knowing there will always be someone there who will respond to your needs, answer your questions or help you make informed changes to your Program. Others may assign you volunteers who despite all their best intentions simply do not have the same experience, training and focus that we do. After all, when you succeed, we succeed.
We offer all clients "Anytime. Anyplace. Anywhere" access through ClientCare. At sign up we provide you with free, confidential 24/7 access to your Account so you can check balances, track payments, update addresses and even make temporary payment changes. Transparency, security, reassurance, control and flexibility. Something others do not provide.
Absolutely! Refer a Friend or Family member who may need our help and if they join and stick with our program we'll credit $100 towards your next installment or pay you cash*. Plus there is no upper limit. Refer 10? Get $1000!*
With nearly 20 years of experience we know what is best for our clients - and what is not. That is why we do not offer Consolidation Loans, Pay-Day Loans or Debt Settlement. After all, there are better ways to reduce debt than getting into even more debt. Our Debt Management Program is also structured in such a way so it ensures we remain impartial and impervious to large creditor influence and kick-backs. That means your best interests are always our top priority.
As we approach our 20th Anniversary next year, nothing says safe, dependable, secure, reliable than longevity - unless of course it's our A+ rating* with the BBB or our licenses in good standing with Consumer Protection BC and Service Alberta. Be sure to check and compare before you decide.
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*Disclaimer: Qualification is subject to meeting certain restrictions and conditions, criteria, thresholds and minimums such as total unsecured debt and a demonstrated ability to service your debt with regular and sufficient income. If you qualify for our Debt Management Program, your individual results may vary. Estimates of debt reduction of 40 - 60%, debt free in as little as 12-36 payments and testimonials are examples of past performance only and are not intended to be a guarantee of future results. Results will vary based on individual circumstances. Program fees and commitment length will also vary depending on the amount that your debt can be reduced and your ability to save. Typical program fees are 15% of your enrolled debt, and program length ranges from 12 - 60 months. Not everyone is able to qualify or complete their program for various reasons, including their ability to save sufficient funds, inability to service their debt or unforeseen or unexpected events. This will be determined during the initial free consultation. This program does not provide legal advice. If you need legal advice you must consult with a licensed attorney. In some cases, names and pictures associated with client testimonials have been changed or edited in order to protect the privacy of our clients and breifty.