Where can I get my credit counselling summary?

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Getting your credit counselling summary from trustworthy organizations like Debt Insiders is a smart move. We offer free, unbiased debt management advice. Consider chatting with a certified counsellor to build a solid financial plan. If you’re thinking about a Licensed Insolvency Trustee, do your homework—trust not all trustees. Reach out via phone, text, or chat with any questions.

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Credit Counselling Summary Question

Where can I get my credit counselling summary? I want to find the best place to request a credit counselling summary and make sure I’m getting accurate and helpful information.

From: Anonymous Question
Location: Nanaimo, British Columbia (BC)
Category: debt management plan

Credit Counselling Summary Answer

Getting your credit counselling summary from trustworthy organizations like Debt Insiders is a smart move. We offer free services with certified counsellors ready to help you tackle your debt, craft a personalized plan, and truly understand your finances. The Financial Consumer Agency of Canada (FCAC) also gives a nod to these experts for unbiased debt management and budget advice. It might be worth considering a chat with a Licensed Insolvency Trustee—just do your homework to find someone reputable.

Start with a free debt evaluation, check out your options, and team up with a certified counsellor—look for those with an Accredited Financial Counsellor Canada (AFCC) certification—to build a solid financial game plan. If you’ve got questions, don’t hesitate to reach out by phone, text, or live chat.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

You can obtain your credit counselling summary from the licensed credit counsellor or debt consultant that provided the counselling services. Ensure that the provider is registered and operates according to the regulations outlined in the Bankruptcy and Insolvency Act (BIA) and related regulations. Specific details about obtaining documentation can usually be found in the relevant sections of the BIA and the applicable regulations, such as SOR/2007-256. It is advisable to directly contact your credit counselling agency to request your summary, as they will have your information on file and can provide the most accurate data.

From: OSB Helper

Related Questions to Where To Get A Credit Counselling Summary

Here are the top 5 most frequently asked questions related to credit counselling, based on common queries and trends in the field of personal finance and debt management:

1. Where can I get free credit counselling?

You can get free credit counselling from non-profit organizations such as Credit Canada, Consolidated Credit Canada, and other certified credit counselling agencies[1][3][5].

2. How does credit counselling work?

Credit counselling involves a free debt and budget analysis, education on debt relief options, and assistance in enrolling in a debt management plan if necessary[1][3][5].

3. What are the benefits of credit counselling?

The benefits include creating a household budget, developing a debt repayment plan, reducing debt, and improving financial literacy without judgment or pressure[1][3][5].

4. Will credit counselling affect my credit score?

Speaking with a credit counsellor does not hurt your credit score, and enrolling in a debt repayment program can even be viewed positively by creditors[5].

5. What is the difference between credit counselling and a consumer proposal?

Credit counselling helps you develop a repayment plan to pay off debts in full, while a consumer proposal is a legally binding agreement to settle debts for less than the full amount owing, filed under the Bankruptcy and Insolvency Act[2][4].

If you have a question about debt see our debt questions or ask your own debt related question.

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