SolveYourDebts.com

Financial counsellors provide advice on reducing or eliminating debts over the phone by giving people the tools to successfully manage their finances. Counsellors help clients:

• Get out of debt
• Avoid bankruptcy
• Improve money management skills
• Eliminate credit card debts
• Negotiate reduced payment and interest terms with creditors
• Draft alternative payment plans
• Planning and maintaining a budget
• Variety of financial education services

Assists individuals with consolidating unsecured debts into a single monthly payment over the phone or virtually. Credit counsellors may work with creditors to negotiate reduced or waived interest where available. The program administrator distributes payments to creditors on the client's behalf, which can simplify debt repayment by reducing the number of payments and due dates to manage.

In addition to debt repayment support, participants receive financial counselling and education focused on budgeting, money management, and strategies for maintaining long-term financial stability. The program provides a structured approach to repaying debt while helping individuals develop financial management skills.

• Financial literacy
• Managing money
• Learning to budget
• Expenses
• How to save
• Putting a roof over your head
• Planning for the future
• Preparing financially for post-secondary education
• Identify theft
• Credit reports

Provides online financial resources and tools. includes:

• Goals worksheet
• Calculators for budget, mortgage, saving goal, debt amount and loan
• Understanding a credit score
• Identity theft
• Money management quiz and more

Several $1,000 scholarships available annually for post-secondary students across Atlantic Canada.

Application deadline is in early May each year.