Nobody in Northwest Territories needs constant calls from debt collectors and sleepless nights. So you'll be glad to know debt help is at hand with the DEBTMANAGERS, Debt Consolidation Program. One call to one of our debt consolidation professionals and you’ll soon see how you can become debt free—and worry free.
Debt Consolidation is a form of debt management that many people in Northwest Territories rely on to manage their bills long before their debts gets beyond their control. Our Debt Services can help an individual in Northwest Territories NT avoid filing for bankruptcy and help get them debt relief.
Individuals in Northwest Territories who are in extreme debt often wonder what avenues they can pursue in order to overcome their existing financial issues. After speaking to one of our counseling professionals, you may decide that our debt consolidation program is your best solution to paying off current debts. Over 6 others in Northwest Territories have joined our debt consolidation program- turning multiple overwhelming monthly bills into one monthly payment with lower interest rates than they previously had on all their bills combined. The amount you pay is dependent on how much you can personally afford after all living expenses have been accounted for and how much your creditors will accept. Our debt consolidation counselors work to create tailored solutions based on your personal financial situation in Northwest Territories.
In addition to providing debt relief, debt consolidation can be an ample solution for those individuals looking to keep their credit rating intact. Combing your multiple bills into one manageable monthly payment allows you to establish a record of on-time payment history and reduce outstanding debt to balances at a healthy percent of your credit limits. Already our debt consolidation program has helped over 6 residents in Northwest Territories maintain or regain control of their credit.
You may not need to file for bankruptcy! Our debt reduction program for Northwest Territories residents will help you to pay off your unsecured creditors...
...This can serve as a tremendous relief -being in debt can be quite stressful and the ability to pay off bills can relieve the unneeded anxiety. You too can live debt free in Northwest Territories. Debtmanagers’ debt consolidation services can help you avoid filing for bankruptcy and keep a good credit score: it takes years to build a good credit score and only moments to destroy it.
You’ll find that the DEBTMANAGERS Debt Consolidation system for Northwest Territories residents offers the benefits you’re looking for:
• A substantially lower monthly payment brings you immediate debt reduction and relief.
• Only one payment each month (or a split payment) to cover all your financial obligations.
• Creditors and collectors will stop calling you.
• Reduction in interest costs (in most cases) to help you pay off all debt in less time.
• Control and management of your finances, ease of mind, and no more stress!
Make the call to our toll free number now or use the box above to have one of our consumer debt consolidation professionals call you at your convenience.
Is DEBTMANAGERS a bank, trust company, or other type of loan company? Do you make loans?
No. We provide a Debt Management Program (sometimes referred to as a DMP) rather than a loan to residents in Northwest Territories NT as well as all other regions of Canada.
What is a Debt Management Program?
One of our expert debt consolidation counselors will confidentially assess your present financial position with you, either in person in Northwest Territories, on-line, or over the telephone.
Your personal credit counselor 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.
Is your Debt Management Plan a Consolidation Loan?
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
unsecured debt payments,
and the result is a lower payment than you are currently making to you creditors. We will also support you with credit counseling, so that you can get debt-free and stay that way.
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.
Copyright © 2014 AAA DEBTMANAGERS.ca Inc., Northwest Territories, NT
*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.