Government help consolidating debts
However they will charge a fee, either up front or as a commission on a new loan.
Be cautious and find out what services you’re getting from such a business and how much it will cost you.
In Alberta, Money Mentors, a non-profit credit counselling service, administers the program.
If you’re threatened with legal action, get advice about your options as soon as possible.
Free legal aid and community legal services are available in every state and territory.
Be honest with the creditor or debt collector about your situation.
Prepare and stick to a budget to avoid debts building up and taking you by surprise.
The administration of Consumer Proposals is a legal process which is overseen by the federally appointed Office of the Superintendent of Bankruptcy.