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Talk to your creditors and explain your difficulties; consider returning goods; try to negotiate smaller payments over a longer period of time. |
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Talk to your bankers. Try to arrange a consolidation loan; the bank may charge a lower interest rate than credit cards or other financers and might accept lower periodic payments. |
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Attend seminars on managing your finances presented by Credit Counselling Services of Alberta Ltd. (CCSA) |
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Check with your employer to see if there is an employee assistance plan available to provide counselling for financial management. |
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Obtain credit counselling services from your local family or community association. |
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Apply to CCSA for a Consolidation Order (Orderly Payment of Debts) allowing you to pay 100% of your debts over an extended period. |
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Contact Alger & Associates Inc. to discuss whether you may be able to: |
