Frequently Asked Questions

Click on any of the Questions below to see your answer:

• What do CCC members do?  How can they help me?
• How can you help me with my debts?  Do you loan money?
• Am I eligible for your services?
• Will my creditors continue to contact me after going on a debt repayment program?
• Is there a fee for your service?
• What qualifications do your counsellors have? Where do they obtain their certification?
• Will the creditors stop the interest while I am on the program?

Answer > The debt repayment program is a voluntary program supported by the majority of creditors.  Many creditors reduce or forgive the interest along with ongoing charges/late fees to help you repay your debts in a reasonable amount of time.

• How is a debt repayment program different from bankruptcy?
• How is a debt repayment program different from a consumer proposal?
• Are the services confidential?