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Credit & Debt Counselling

Credit and Debt Counselling

Debt Help: Credit Counselling for Edmonton and Surrounding Areas

The absolutely crucial key to successful debt management is effective strategizing. We, at Exelby & Partners Ltd, possess the skills and resources necessary to develop clear and achievable plans, through credit counseling, which will help you manage your expenses, and climb out of a life filled with seemingly insurmountable debt. If you can’t seem to amass any savings, feel dangerously close to bankruptcy, or simply want expert advice on how to manage your finances, Exelby & Partners Ltd has a staff of expert credit counsellors who can advise you on any financial situation.

Our counselors are completely focused on, and committed to, helping you successfully manage your debt load. It is no secret that mounting debt can have devastating effects on both psychological and physical health, and no one should have to live a life filled with such hardships. Your well-being matters to us, and we are eager to help you get your finances back on track.

Financial Counselling Options

  • Budget Counselling - If you would like to improve your money management skills, increase your savings, or set a financial plan for the future, we are here for you. We can help you set short-term and long-term goals so you can track your progress in becoming financially stable.
  • Debt Management Counselling - We help you turn unmanageable debt into manageable debt through debt counselling. Alberta residents will find that sometimes all it takes to handle your debt is a change of spending habits. Sometimes you will need a more aggressive plan to get rid of your debts. We can arrange debt consolidation loans, work as a mediator between you and your creditors, and even file a consumer proposal to help you pay off your debt as quickly and easily as possible.
  • Credit Counselling - Whenever you come to us for credit counselling, we will sit you down in a face-to-face meeting with one of our specialists. We will help you outline your financial needs so we can come up with a solution tailored to your specific situation.We handle every issue that has to do with your credit. If you have credit debt that you would like to get under control or wish to raise your credit score, we can help.

Credit and Debt Counselling Process

It is important to note that our plans are first-and-foremost geared to providing education and guidance, enabling the individual to better organize their existing income in order to pay off what is owed. In some cases, where debt is at a higher level, our trustees will even go so far as to file a Consumer Proposal, in order to protect you from legal action and allow you to pay your debts in an organized manner, over a fixed amount of time. Our plans are all-encompassing, and we will be with you every step of the way.

Our process includes the following personalized steps:

1. Examination of Your Credit Report– The state of your credit report gives counselors a broad idea of where you stand financially. Upon inspection of this report, we will be able to envision the path necessary to organize your expenses in clusters based on priority levels.

2. Get You Financially Organized– The fundamental step in performing credit counseling, is to provide you with a visual map of where your money is going. All too often, when faced with mounting debt, we lose track of where our money is going, which leads to an even greater shortage of funds. We will help you separate your payments and expenses into categories labeled “Critical,” “Necessary,” and “Unnecessary.” This will provide you with a clear picture of how you have been spending your money, and what expenses can be either better organized, or cut out completely.

3. Create a Spending or Debt-Restructuring Strategy that You Can Handle– This is where our counselors really shine. After sorting your expenses into clear priority-based clusters, we will draw up a detailed strategy on how to effectively manage each cluster using your existing income. This includes payment schedules, minimum amounts, expense eliminations, etc. – and everything is customized according to your personal financial situation. All your life details are taken into consideration, and the plans are created to ensure that you can manage your payments, while still enjoying a high quality of life.

Get the Debt Help You Need!

At Exelby & Partners, we customize our services for your specific financial situation. Set up an appointment today to get a free evaluation of your case from an expert at one of our locations in Grande Prairie, Fort McMurray, Red Deer, Edmonton, Spruce Grove, Delton, and Millwoods.

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