Credit Counselling

When you ignore the warning signs, debt problems can climb out of control. Using credit cards and making minimum payments only makes the problem grow. Break the cycle; you can get out of debt. Well help you reduce your monthly payments, lower or eliminate interest charges and stop those stressful collection calls. Well work with you to develop a plan that fits your budget so you can live while paying off your debt sooner.

Get help to create a plan, deal with your debts, and get back on track. Appointments are free, confidential, and non-judgmental. We’re a non-profit service, and we can help.

Consumer credit counselling is a service that can help you get out of debt. The process starts with a free credit counselling session that helps you identify the best debt solution for your needs, credit, and budget. If you need help getting out of debt, the counsellor can help you enroll in a debt management plan.

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Avoid Bankruptcy – debt settlement companies and so called credit counsellors are cold calling to offer their services to debt strapped Canadians. The majority of these offers are misleading and deceptive, and will end up costing you money that you don’t have. Ultimately, your debt will not be eliminated. Brian Doyle, President of Doyle Salewski, advises that before you make a commitment, meet with Doyle Salewski for a free second opinion. It may prevent you from making a serious mistake. Doyle Salewski has the information you need to make the right decision. Call the people you can trust: Doyle Salewski. 613-237-5555 or 1-800-517-9926
Ready to get started? Call our Ottawa number at 613-237-5555, or our toll-free number at 1-800-517-9926 (or email ) to speak with one of our professional counsellors and set up your free consultation. The professionals at Doyle Salewski are all fully experienced in providing financial management advice such as credit counselling, bankruptcy, consumer proposals, budgeting, debt settlement, and debt consolidation.

At Doyle Salewski, we go out of our way to make our process as comfortable as possible and to help you achieve financial freedom. Visit our website at to learn more.

Your initial meeting is free, fully confidential, and carries no obligation. If you decide to proceed with any of the options presented to you, your counsellor will determine the cost at that time, based on the choice you make.

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Manraj Waraich provides important credit council to vulnerable Albertans who find it difficult to manage their finances and are often victims of financial exploitation. Topics covered include:
• How to avoid building unmanageable debt loads due to cell phone contracts, credit cards, pay day loans, etc.
• Managing debts on a low or fixed income
• Budgeting on a low income to ensure necessary bills are paid before luxury spending

Credit counselling should be about personal contact. At CCSAC, a credit counsellor will be with you every step of the way on your journey to financial freedom.

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Are you looking for debt solutions? Are you disorganized? Do you have trouble paying your bills? There is help. Youre not alone in this. We are a Canadian non-profit service, and we can help. – How to avoid bankruptcy – call us today at 1-866-790-8984

or Visit:

Business Solutions & Credit Counselling Services
12033 92A Avenue Surrey, BC V3V 4B8
Tel: 604-951-8984 or 1-866-790-8984

A consumer proposal is a way to come up with a solution with your creditors to repay your debts. In most proposals you repay less than the full sum outstanding, plus your creditors agree to write off the rest of your debts. It’s a “win-win” for both of you.

Just what is a consumer proposal?

Unlike an informal debt settlement plan, a consumer proposal is a legally binding agreement that you and your administrator work out with your creditors.

For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid bankruptcy, prepare a consumer proposal, rebuild their credit, and pay off credit card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to absolve your financial burden and stress. For more information about avoiding bankruptcy and how to become debt free, please visit us at or call 1-866-790-8984 today!

The first step in bankruptcy is to take the credit counseling class with You will receive a certificate which is valid for 180 days. This certificate is required to file bankruptcy.

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Credit cards can be a useful financial tool, but if you start taking on credit card debt, it can take control of your life. Learn why your relationship with credit cards is unhealthy and how you can use credit counseling to take a break from credit so you can find your financial independence and break your bad credit habits. Once you’ve found your power, then you can decide if you want to let credit back into your life.
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