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have no savings for the unexpected\"}],\"outroText\":\"\",\"button\":null,\"anchorId\":\"who-its-for\",\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\"],\"iconSize\":\"96\",\"iconAlignment\":\"middle\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"Types of debt we help with:\",\"text\":\"\",\"list\":[{\"item\":\"Credit card debt\"},{\"item\":\"Tax debt\"},{\"item\":\"Student loans\"},{\"item\":\"Personal loans\"},{\"item\":\"Lines of credit\"},{\"item\":\"Payday loans\"}],\"button\":null,\"backgroundColor\":\"bg-teal-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"TrustpilotReviewSlider\",\"anchorId\":\"\"},{\"fieldGroupName\":\"FaqAccordion\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"Frequently asked questions\",\"text\":\"Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and 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Eget eget in lobortis egestas. Dui ac tempus tincidunt lorem tortor. Eget dolor in ipsum amet praesent. Consectetur consequat scelerisque id tristique faucibus maecenas at aliquet odio. Mattis ac cras etiam elit nisl orci.\u003Cbr \\/>\\nAccumsan fames ultricies leo volutpat morbi. Est nisl non eleifend enim. Rhoncus viverra vulputate ac vestibulum sed accumsan id donec. Lectus accumsan phasellus pharetra gravida nibh. Amet interdum libero nulla ultricies convallis. Diam eros volutpat posuere libero at natoque eu. Lectus donec sed tincidunt adipiscing arcu neque. In felis hendrerit tristique porttitor. Nulla leo egestas et risus ullamcorper consectetur malesuada. Faucibus mauris vitae pharetra tellus. Sit habitant morbi sed nisl metus platea eget scelerisque.\u003C\\/p>\\n\"},{\"title\":\"How does a Consumer Proposal affect your credit?\",\"content\":\"\u003Cp>Suspendisse at blandit condimentum morbi. Eget eget in lobortis egestas. Dui ac tempus tincidunt lorem tortor. Eget dolor in ipsum amet praesent. Consectetur consequat scelerisque id tristique faucibus maecenas at aliquet odio. Mattis ac cras etiam elit nisl orci.\u003Cbr \\/>\\nAccumsan fames ultricies leo volutpat morbi. Est nisl non eleifend enim. Rhoncus viverra vulputate ac vestibulum sed accumsan id donec. Lectus accumsan phasellus pharetra gravida nibh. Amet interdum libero nulla ultricies convallis. Diam eros volutpat posuere libero at natoque eu. Lectus donec sed tincidunt adipiscing arcu neque. In felis hendrerit tristique porttitor. Nulla leo egestas et risus ullamcorper consectetur malesuada. Faucibus mauris vitae pharetra tellus. Sit habitant morbi sed nisl metus platea eget scelerisque.\u003C\\/p>\\n\"},{\"title\":\"Can I pay off my proposal early?\",\"content\":\"\u003Cp>Suspendisse at blandit condimentum morbi. Eget eget in lobortis egestas. Dui ac tempus tincidunt lorem tortor. Eget dolor in ipsum amet praesent. Consectetur consequat scelerisque id tristique faucibus maecenas at aliquet odio. Mattis ac cras etiam elit nisl orci.\u003Cbr \\/>\\nAccumsan fames ultricies leo volutpat morbi. Est nisl non eleifend enim. Rhoncus viverra vulputate ac vestibulum sed accumsan id donec. Lectus accumsan phasellus pharetra gravida nibh. Amet interdum libero nulla ultricies convallis. Diam eros volutpat posuere libero at natoque eu. Lectus donec sed tincidunt adipiscing arcu neque. In felis hendrerit tristique porttitor. Nulla leo egestas et risus ullamcorper consectetur malesuada. Faucibus mauris vitae pharetra tellus. Sit habitant morbi sed nisl metus platea eget scelerisque.\u003C\\/p>\\n\"},{\"title\":\"Which type of lorem ipsum should I file?\",\"content\":\"\u003Cp>Suspendisse at blandit condimentum morbi. Eget eget in lobortis egestas. Dui ac tempus tincidunt lorem tortor. Eget dolor in ipsum amet praesent. Consectetur consequat scelerisque id tristique faucibus maecenas at aliquet odio. Mattis ac cras etiam elit nisl orci.\u003Cbr \\/>\\nAccumsan fames ultricies leo volutpat morbi. Est nisl non eleifend enim. Rhoncus viverra vulputate ac vestibulum sed accumsan id donec. Lectus accumsan phasellus pharetra gravida nibh. Amet interdum libero nulla ultricies convallis. Diam eros volutpat posuere libero at natoque eu. Lectus donec sed tincidunt adipiscing arcu neque. In felis hendrerit tristique porttitor. Nulla leo egestas et risus ullamcorper consectetur malesuada. Faucibus mauris vitae pharetra tellus. Sit habitant morbi sed nisl metus platea eget scelerisque.\u003C\\/p>\\n\"},{\"title\":\"What are Debt Consolidation Services?\",\"content\":\"\u003Cp>Suspendisse at blandit condimentum morbi. Eget eget in lobortis egestas. Dui ac tempus tincidunt lorem tortor. Eget dolor in ipsum amet praesent. Consectetur consequat scelerisque id tristique faucibus maecenas at aliquet odio. Mattis ac cras etiam elit nisl orci.\u003Cbr \\/>\\nAccumsan fames ultricies leo volutpat morbi. Est nisl non eleifend enim. Rhoncus viverra vulputate ac vestibulum sed accumsan id donec. Lectus accumsan phasellus pharetra gravida nibh. Amet interdum libero nulla ultricies convallis. Diam eros volutpat posuere libero at natoque eu. Lectus donec sed tincidunt adipiscing arcu neque. In felis hendrerit tristique porttitor. Nulla leo egestas et risus ullamcorper consectetur malesuada. Faucibus mauris vitae pharetra tellus. Sit habitant morbi sed nisl metus platea eget scelerisque.\u003C\\/p>\\n\"}],\"faqs\":[{\"ID\":2588,\"post_author\":\"6\",\"post_date\":\"2024-06-19 10:36:02\",\"post_date_gmt\":\"2024-06-19 14:36:02\",\"post_content\":\"You might need debt counselling if you are struggling to make your minimum payments, using credit to pay for basic necessities, receiving collection calls, or feeling overwhelmed by your financial situation.\",\"post_title\":\"How do I know if I need debt counselling?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"how-do-i-know-if-i-need-debt-counselling\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2024-06-19 10:36:02\",\"post_modified_gmt\":\"2024-06-19 14:36:02\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=faq&p=2588\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2615,\"post_author\":\"6\",\"post_date\":\"2024-06-21 13:19:20\",\"post_date_gmt\":\"2024-06-21 17:19:20\",\"post_content\":\"Our team is happy to talk with you about your situation. To set up a free consultation, just \u003Ca href=\\\"https:\\/\\/www.farber.ca\\/contact-us\\/new-customers\\/\\\">contact us\u003C\\/a>.\",\"post_title\":\"How can I get help with debt counselling?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"how-can-i-get-help-with-debt-counselling\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-24 10:43:52\",\"post_modified_gmt\":\"2025-12-24 15:43:52\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=faq&p=2615\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2590,\"post_author\":\"6\",\"post_date\":\"2024-06-19 10:36:41\",\"post_date_gmt\":\"2024-06-19 14:36:41\",\"post_content\":\"Yes, debt counselling can help you explore alternatives to bankruptcy, such as a consumer proposal, which can reduce your debt by up to 80%. 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A debt consolidation loan involves taking out a new loan to pay off multiple debts by combining them into a single loan with monthly payments.\",\"post_title\":\"What is the difference between debt counselling and a debt consolidation loan?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-is-the-difference-between-debt-counselling-and-a-debt-consolidation-loan\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2024-06-19 10:36:54\",\"post_modified_gmt\":\"2024-06-19 14:36:54\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=faq&p=2591\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2592,\"post_author\":\"6\",\"post_date\":\"2024-06-19 10:37:12\",\"post_date_gmt\":\"2024-06-19 14:37:12\",\"post_content\":\"During your first session, our friendly team members will listen to you and hear about your financial situation, including your income, expenses, debts, and assets. They will then work with you, step-by-step, to create a budget and develop a plan to manage and reduce your debt.\",\"post_title\":\"What should I expect during my first debt counselling session?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-should-i-expect-during-my-first-debt-counselling-session\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-30 06:12:10\",\"post_modified_gmt\":\"2025-12-30 11:12:10\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/?post_type=faq&p=2592\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"See more FAQs\",\"url\":\"https:\\/\\/www.farber.ca\\/faq\\/\",\"target\":\"\"},\"enableSeoSchema\":false,\"anchorId\":\"\"},{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"For more than 45 years, we\\u2019ve helped over 200,000 people get out of debt\",\"text\":\"\u003Cp>We’ll meet to discuss your debt-relief options, guide you to the best solution, and assist you in building a better relationship with money. 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We offer a complimentary, judgment-free debt counselling service to help you learn the skills necessary to build a better relationship with money. ",{"iD":32,"id":32,"title":6,"filename":33,"filesize":34,"url":35,"link":36,"alt":37,"author":38,"description":37,"caption":37,"name":39,"status":40,"uploadedTo":41,"date":42,"modified":43,"menuOrder":44,"mimeType":45,"type":46,"subtype":47,"icon":48,"width":49,"height":50,"sizes":51,"relativeUrl":70},2790,"Debt-Counselling.png",661949,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling.png","/debt-counselling/debt-counselling-3/","","6","debt-counselling-3","inherit",373,"2024-06-27 14:57:04","2024-06-27 15:15:06",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":52,"thumbnail-width":53,"thumbnail-height":53,"medium":54,"medium-width":55,"medium-height":56,"mediumLarge":57,"mediumLarge-width":58,"mediumLarge-height":59,"large":60,"large-width":61,"large-height":62,"1536x1536":63,"1536x1536-width":64,"1536x1536-height":65,"2048x2048":35,"2048x2048-width":49,"2048x2048-height":50,"gform-image-choice-sm":35,"gform-image-choice-sm-width":55,"gform-image-choice-sm-height":56,"gform-image-choice-md":35,"gform-image-choice-md-width":66,"gform-image-choice-md-height":67,"gform-image-choice-lg":35,"gform-image-choice-lg-width":68,"gform-image-choice-lg-height":69},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/06/Debt-Counselling.png","bg-gold-lightest",[],{"fieldGroupName":74,"heading":75,"anchors":76},"AnchorLinks","On this page",[77,80,83],{"title":78,"anchorId":79},"What is debt counselling?","what-is-debt-counselling",{"title":81,"anchorId":82},"How it helps","how-it-helps",{"title":84,"anchorId":85},"Who it's for","who-its-for",{"fieldGroupName":87,"image":88,"supertitleStyling":110,"supertitle":78,"badgeNumber":37,"heading":111,"text":112,"button":8,"anchorId":79,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":116,"textAlignment":119,"bodyTextSize":122,"showArrowBelow":123,"spacing":124,"buttonStyling":125},"ImageTextBanner",{"iD":89,"id":89,"title":90,"filename":91,"filesize":92,"url":93,"link":94,"alt":37,"author":38,"description":37,"caption":37,"name":95,"status":40,"uploadedTo":41,"date":96,"modified":97,"menuOrder":44,"mimeType":45,"type":46,"subtype":47,"icon":48,"width":61,"height":98,"sizes":99,"relativeUrl":109},2787,"Debt Counselling 1","Debt-Counselling-1.png",242134,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1.png","/debt-counselling/debt-counselling-1/","debt-counselling-1","2024-06-27 14:56:54","2024-06-27 15:15:07",1074,{"thumbnail":100,"thumbnail-width":53,"thumbnail-height":53,"medium":101,"medium-width":102,"medium-height":55,"mediumLarge":103,"mediumLarge-width":58,"mediumLarge-height":104,"large":105,"large-width":106,"large-height":61,"1536x1536":93,"1536x1536-width":61,"1536x1536-height":98,"2048x2048":93,"2048x2048-width":61,"2048x2048-height":98,"gform-image-choice-sm":93,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":55,"gform-image-choice-md":93,"gform-image-choice-md-width":107,"gform-image-choice-md-height":66,"gform-image-choice-lg":93,"gform-image-choice-lg-width":108,"gform-image-choice-lg-height":68},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/06/Debt-Counselling-1.png","regular","Build your confidence with money","\u003Cp>Debt counselling gives you the knowledge and resources to build a better relationship with money and avoid debt. Managing your money can seem intimidating, especially if you’ve experienced debt stress for years.\u003C/p>\n\u003Cp>Our team has been offering counselling for over 45 years. We’re understanding, judgment-free and want to help teach you good money management skills. By working with us, you’ll gain practical skills and see how sensible debt actually makes sense.\u003C/p>\n","bg-white","contained","4/12",{"desktop":117,"mobile":118},"imageContent","contentImage",{"desktop":120,"mobile":121},"left","center","base",false,[],"light",{"fieldGroupName":87,"image":127,"supertitleStyling":110,"supertitle":81,"badgeNumber":37,"heading":142,"text":143,"button":8,"anchorId":82,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":144,"textAlignment":145,"bodyTextSize":122,"showArrowBelow":123,"spacing":146,"buttonStyling":125},{"iD":128,"id":128,"title":129,"filename":130,"filesize":131,"url":132,"link":133,"alt":37,"author":38,"description":37,"caption":37,"name":134,"status":40,"uploadedTo":41,"date":135,"modified":97,"menuOrder":44,"mimeType":45,"type":46,"subtype":47,"icon":48,"width":61,"height":98,"sizes":136,"relativeUrl":141},2780,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/debt-counselling/debt-counselling-2/","debt-counselling-2","2024-06-27 14:56:33",{"thumbnail":137,"thumbnail-width":53,"thumbnail-height":53,"medium":138,"medium-width":102,"medium-height":55,"mediumLarge":139,"mediumLarge-width":58,"mediumLarge-height":104,"large":140,"large-width":106,"large-height":61,"1536x1536":132,"1536x1536-width":61,"1536x1536-height":98,"2048x2048":132,"2048x2048-width":61,"2048x2048-height":98,"gform-image-choice-sm":132,"gform-image-choice-sm-width":102,"gform-image-choice-sm-height":55,"gform-image-choice-md":132,"gform-image-choice-md-width":107,"gform-image-choice-md-height":66,"gform-image-choice-lg":132,"gform-image-choice-lg-width":108,"gform-image-choice-lg-height":68},"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2-976x1024.png","/wp-content/uploads/2024/06/Debt-Counselling-2.png","Free, confidential, no-obligation counselling","\u003Cp>As part of debt counselling, you can expect our team to explain your debt-relief options, as well as offer you skills to budget, save and manage expenses. We’ll work with you to help establish better spending habits and effective ways to manage your expenses.\u003C/p>\n\u003Cul>\n\u003Cli>Share your story with one of our supportive debt professionals\u003C/li>\n\u003Cli>Review your debt-relief options together\u003C/li>\n\u003Cli>Learn how to budget, save and manage credit\u003C/li>\n\u003Cli>Develop a better relationship with your money\u003C/li>\n\u003C/ul>\n",{"desktop":118,"mobile":118},{"desktop":120,"mobile":121},[],{"fieldGroupName":148,"heading":149,"text":150,"list":151,"button":8,"backgroundColor":113,"padding":164,"mobileColumns":166,"desktopColumns":167,"width":168},"SmallCheckmarkList","What kinds of things will I learn?","\u003Cp>As part of this complimentary service, our team is here to help with:\u003C/p>\n",[152,154,156,158,160,162],{"item":153},"Setting and reaching financial goals",{"item":155},"Understanding and not repeating poor financial habits",{"item":157},"Creating and managing budgets",{"item":159},"Using credit better",{"item":161},"Saving for the future",{"item":163},"Building strong credit",[165],"bottom-padding","cols-1","auto","12/12",{"fieldGroupName":170,"supertitle":171,"heading":172,"introText":173,"icons":174,"outroText":37,"button":8,"anchorId":85,"backgroundColor":227,"padding":228,"iconSize":230,"iconAlignment":231},"IconGrid","Who it’s for","Is debt counselling right for me?","\u003Cp style=\"text-align: center;\">Everyone is unique and handles money differently. 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