Credit Counselling Kelowna

If you’re suffering from financial hardship, deciding on next steps can be overwhelming.  Struggling with mounting debts and harassing collection calls can seem hopeless at times.  The truth is, though, that there are always options available – it’s just a matter of developing a plan and sticking with it.  And we can help.

As a Licensed Insolvency Trustee, D. Thode & Associates provides professional credit counselling Kelowna clients can trust.  With a free initial consultation to assess your situation, our team of professionals will take the time to explain all of your options and point you on the path to financial freedom.  It can be done – all it takes is your commitment and our expertise. There are several options available to those in financial distress.

Credit Counselling Kelowna

For those who are having trouble balancing their finances, but whose debt is manageable within their budget, our Licensed Insolvency Trustees offer our Kelowna and Kamloops communities financial guidance and advice on how to better manage their assets and liabilities.  We can develop a plan that allows you to service your debt, cover living expenses and even establish savings going forward.  A financial tune-up that will put you in good stead for a lifetime to come.

Debt Consolidation

Debt Consolidation is for those whose debts have far exceeded their ability to pay. This strategy involves the negotiated combination of all debts into one monthly payment, often at a lower interest rate or on a longer payment schedule. If you are struggling under the weight of financial stress, contact us today for a consultation.  We can let you know if debt consolidation is the right solution for you.

Consumer Proposals

A Consumer Proposal is often an option to avoid bankruptcy.  In this case, a Licensed Insolvency Trustee will put together a binding proposal between Lenders and Debtors in which all parties agree that the payments will be paid in full over time.  This stops harassing phone calls and wage garnishments, while still allowing the debts to be paid in full.

Kelowna Bankruptcy

As a last resort, a Licensed Insolvency Trustee can help you take the steps to declare bankruptcy in Kelowna.  Although it sounds daunting, sometimes this is the best resort to get a fresh financial start and relieve the stress and burden of crushing debt.  If you think bankruptcy is your best option, count on the Credit Counselling Kelowna clients have trusted for years.  We will walk you through the process from beginning to end – every step of the way.

Don’t struggle with your debt problems alone.  Let our compassionate and understanding team help you through this trying time.  With experienced Credit Counsellors in Kamloops and Kelowna, we’ve got a solution that’s right for you.  Give us a call today for your free consultation, and get on your way to financial health.

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