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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. 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Sit habitant morbi sed nisl metus platea eget scelerisque.\u003C\\/p>\\n\"}],\"faqs\":[{\"ID\":5642,\"post_author\":\"6\",\"post_date\":\"2024-06-19 10:36:02\",\"post_date_gmt\":\"2024-06-19 14:36:02\",\"post_content\":\"Vous pourriez avoir besoin de conseils en dette si vous avez de la difficult\\u00e9 \\u00e0 effectuer vos paiements minimums, si vous vous servez de votre carte de cr\\u00e9dit pour tes n\\u00e9cessit\\u00e9s de base, si vous recevez des appels de recouvrement ou si vous vous sentez accabl\\u00e9 par votre situation financi\\u00e8re.\",\"post_title\":\"Comment savoir si j\\u2019ai besoin de conseils en dette\\u2009?\",\"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\":\"2025-12-01 13:46:42\",\"post_modified_gmt\":\"2025-12-01 18:46:42\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/hync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\\/?faq=how-do-i-know-if-i-need-debt-counselling\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5644,\"post_author\":\"6\",\"post_date\":\"2024-06-21 13:19:20\",\"post_date_gmt\":\"2024-06-21 17:19:20\",\"post_content\":\"Nos experts en endettement se feront un plaisir d'\\u00e9changer avec vous sur votre situation. \u003Ca href=\\\"\\/fr\\/nouscontacter\\/\\\">Communiquez avec nous\u003C\\/a> pour une consultation gratuite.\",\"post_title\":\"Comment est-ce que je peux b\\u00e9n\\u00e9ficier du conseil en dette ?\",\"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\":\"2025-12-10 08:30:29\",\"post_modified_gmt\":\"2025-12-10 13:30:29\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/hync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\\/?faq=how-can-i-get-help-with-debt-counselling\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5643,\"post_author\":\"6\",\"post_date\":\"2024-06-19 10:36:41\",\"post_date_gmt\":\"2024-06-19 14:36:41\",\"post_content\":\"Oui, un conseiller en dette peut vous aider \\u00e0 explorer des alternatives \\u00e0 la faillite, comme la proposition de consommateur, qui peut r\\u00e9duire votre dette jusqu'\\u00e0 80 %. Un conseiller en dette peut vous aider \\u00e0 pr\\u00e9parer un plan de gestion et de r\\u00e9duction de ta dette, ce qui pourrait vous permettre d'\\u00e9viter la faillite. Cependant, si la faillite est in\\u00e9vitable, un conseiller en dette peut \\u00e9galement vous guider \\u00e0 travers le processus.\",\"post_title\":\"Est-ce que le conseil en dette peut m\\u2019aider \\u00e0 \\u00e9viter la faillite\\u2009?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-debt-counselling-help-me-avoid-bankruptcy\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 13:49:12\",\"post_modified_gmt\":\"2025-12-01 18:49:12\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/hync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com\\/?faq=can-debt-counselling-help-me-avoid-bankruptcy\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5645,\"post_author\":\"6\",\"post_date\":\"2024-06-19 10:36:54\",\"post_date_gmt\":\"2024-06-19 14:36:54\",\"post_content\":\"Le conseil en dette consiste \\u00e0 pr\\u00e9parer un plan de gestion et de r\\u00e9duction de vos dettes gr\\u00e2ce \\u00e0 la budg\\u00e9tisation et \\u00e0 la n\\u00e9gociation. 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Nous vous proposons un service de conseil en dette gratuit et sans jugement pour vous aider à développer les compétences nécessaires pour vivre en meilleure relation avec votre argent. 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Gérer votre argent peut vous sembler intimidant, surtout si vous avez souffert du stress lié à l’endettement depuis longtemps.\u003C/p>\n\u003Cp>Notre équipe d’experts offre des services de conseil depuis plus de 45 ans. Notre approche est compatissante et sans jugement, et notre but est de vous aider à apprendre à bien gérer votre argent. En collaborant avec nous, vous développerez des compétences pratiques et vous découvrirez que certaines dettes judicieuses peuvent être positives.\u003C/p>\n","bg-white","contained","4/12",{"desktop":117,"mobile":118},"imageContent","contentImage",{"desktop":120,"mobile":121},"left","center","base",[],"light",{"fieldGroupName":87,"image":126,"supertitleStyling":109,"supertitle":141,"badgeNumber":38,"heading":142,"text":143,"button":38,"anchorId":82,"backgroundColor":113,"imageContainer":114,"imageSize":115,"layout":144,"textAlignment":145,"bodyTextSize":122,"showArrowBelow":20,"spacing":146,"buttonStyling":124},{"iD":127,"id":127,"title":128,"filename":129,"filesize":130,"url":131,"link":132,"alt":38,"author":39,"description":38,"caption":38,"name":133,"status":41,"uploadedTo":42,"date":134,"modified":134,"menuOrder":44,"mimeType":45,"type":46,"subtype":47,"icon":48,"width":61,"height":97,"sizes":135,"relativeUrl":140},4960,"Debt Counselling 2","Debt-Counselling-2.png",333992,"https://www.farber.ca/wp-content/uploads/2024/06/Debt-Counselling-2.png","/fr/conseil-en-dette/debt-counselling-2-2/","debt-counselling-2-2","2024-06-27 14:56:33",{"thumbnail":136,"thumbnail-width":53,"thumbnail-height":53,"medium":137,"medium-width":101,"medium-height":55,"mediumLarge":138,"mediumLarge-width":58,"mediumLarge-height":103,"large":139,"large-width":105,"large-height":61,"1536x1536":131,"1536x1536-width":61,"1536x1536-height":97,"2048x2048":131,"2048x2048-width":61,"2048x2048-height":97,"gform-image-choice-sm":131,"gform-image-choice-sm-width":101,"gform-image-choice-sm-height":55,"gform-image-choice-md":131,"gform-image-choice-md-width":106,"gform-image-choice-md-height":66,"gform-image-choice-lg":131,"gform-image-choice-lg-width":107,"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","Comment ça fonctionne","Consultation gratuite, confidentielle et sans engagement","\u003Cp>Dans le cadre du conseil en dette de Farber, nos experts en dette vous expliquent vos options pour alléger votre dette et ils vous proposeront des outils pour fixer un budget, épargner et gérer vos dépenses. 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Lorsque vos dettes sont trop lourdes, certains signes indiquent qu’il est temps d’agir.\u003C/p>\n",[175,192,205,218],{"icon":176,"heading":38,"text":191},{"iD":177,"id":177,"title":178,"filename":179,"filesize":180,"url":181,"link":182,"alt":38,"author":39,"description":38,"caption":38,"name":183,"status":41,"uploadedTo":42,"date":184,"modified":185,"menuOrder":44,"mimeType":186,"type":46,"subtype":187,"icon":48,"width":188,"height":188,"sizes":189,"relativeUrl":190},4939,"icons8-donate","icons8-donate.svg",2866,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-donate.svg","/fr/conseil-en-dette/icons8-donate-2/","icons8-donate-2","2024-06-24 14:59:51","2025-09-09 11:25:40","image/svg+xml","svg+xml",96,{"thumbnail":181,"thumbnail-width":53,"thumbnail-height":53,"medium":181,"medium-width":55,"medium-height":55,"mediumLarge":181,"mediumLarge-width":58,"mediumLarge-height":58,"large":181,"large-width":61,"large-height":61,"1536x1536":181,"1536x1536-width":188,"1536x1536-height":188,"2048x2048":181,"2048x2048-width":188,"2048x2048-height":188,"gform-image-choice-sm":181,"gform-image-choice-sm-width":188,"gform-image-choice-sm-height":188,"gform-image-choice-md":181,"gform-image-choice-md-width":188,"gform-image-choice-md-height":188,"gform-image-choice-lg":181,"gform-image-choice-lg-width":188,"gform-image-choice-lg-height":188},"/wp-content/uploads/2024/06/icons8-donate.svg","Vous ne faites que des paiements minimum",{"icon":193,"heading":38,"text":204},{"iD":194,"id":194,"title":195,"filename":196,"filesize":197,"url":198,"link":199,"alt":38,"author":39,"description":38,"caption":38,"name":200,"status":41,"uploadedTo":42,"date":201,"modified":185,"menuOrder":44,"mimeType":186,"type":46,"subtype":187,"icon":48,"width":188,"height":188,"sizes":202,"relativeUrl":203},4945,"icons8-card-exchange","icons8-card-exchange.svg",1898,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-card-exchange.svg","/fr/conseil-en-dette/icons8-card-exchange-2/","icons8-card-exchange-2","2024-06-24 14:59:56",{"thumbnail":198,"thumbnail-width":53,"thumbnail-height":53,"medium":198,"medium-width":55,"medium-height":55,"mediumLarge":198,"mediumLarge-width":58,"mediumLarge-height":58,"large":198,"large-width":61,"large-height":61,"1536x1536":198,"1536x1536-width":188,"1536x1536-height":188,"2048x2048":198,"2048x2048-width":188,"2048x2048-height":188,"gform-image-choice-sm":198,"gform-image-choice-sm-width":188,"gform-image-choice-sm-height":188,"gform-image-choice-md":198,"gform-image-choice-md-width":188,"gform-image-choice-md-height":188,"gform-image-choice-lg":198,"gform-image-choice-lg-width":188,"gform-image-choice-lg-height":188},"/wp-content/uploads/2024/06/icons8-card-exchange.svg","Vous vous servez d’une carte de crédit pour en rembourser une autre",{"icon":206,"heading":38,"text":217},{"iD":207,"id":207,"title":208,"filename":209,"filesize":210,"url":211,"link":212,"alt":38,"author":39,"description":38,"caption":38,"name":213,"status":41,"uploadedTo":42,"date":214,"modified":214,"menuOrder":44,"mimeType":186,"type":46,"subtype":187,"icon":48,"width":188,"height":188,"sizes":215,"relativeUrl":216},4943,"icons8-beginner","icons8-beginner.svg",1386,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-beginner.svg","/fr/conseil-en-dette/icons8-beginner-2/","icons8-beginner-2","2024-06-24 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crédit",{"icon":219,"heading":38,"text":230},{"iD":220,"id":220,"title":221,"filename":222,"filesize":223,"url":224,"link":225,"alt":38,"author":39,"description":38,"caption":38,"name":226,"status":41,"uploadedTo":42,"date":227,"modified":227,"menuOrder":44,"mimeType":186,"type":46,"subtype":187,"icon":48,"width":188,"height":188,"sizes":228,"relativeUrl":229},4940,"icons8-buy-now-pay-later","icons8-buy-now-pay-later.svg",1511,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-buy-now-pay-later.svg","/fr/conseil-en-dette/icons8-buy-now-pay-later-2/","icons8-buy-now-pay-later-2","2024-06-24 14:59:52",{"thumbnail":224,"thumbnail-width":53,"thumbnail-height":53,"medium":224,"medium-width":55,"medium-height":55,"mediumLarge":224,"mediumLarge-width":58,"mediumLarge-height":58,"large":224,"large-width":61,"large-height":61,"1536x1536":224,"1536x1536-width":188,"1536x1536-height":188,"2048x2048":224,"2048x2048-width":188,"2048x2048-height":188,"gform-image-choice-sm":224,"gform-image-choice-sm-width":188,"gform-image-choice-sm-height":188,"gform-image-choice-md":224,"gform-image-choice-md-width":188,"gform-image-choice-md-height":188,"gform-image-choice-lg":224,"gform-image-choice-lg-width":188,"gform-image-choice-lg-height":188},"/wp-content/uploads/2024/06/icons8-buy-now-pay-later.svg","Vous n’avez pas d’économies en cas de dépenses imprévues","bg-teal-lightest",[233],"top-padding","96","middle",{"fieldGroupName":148,"heading":237,"text":38,"list":238,"button":38,"backgroundColor":231,"padding":251,"mobileColumns":166,"desktopColumns":167,"width":168},"Genres de dettes que nous aidons à régler :",[239,241,243,245,247,249],{"item":240},"Dette de carte de crédit",{"item":242},"Dette fiscale",{"item":244},"Prêts étudiants",{"item":246},"Prêts personnels",{"item":248},"Lignes de crédit",{"item":250},"Prêts sur salaire",[233,165],{"fieldGroupName":253,"anchorId":38},"TrustpilotReviewSlider",{"fieldGroupName":255,"introduction":256,"type":259,"accordions":260,"faqs":272,"button":326,"enableSeoSchema":20,"anchorId":38},"FaqAccordion",{"supertitle":38,"heading":257,"text":258},"FAQ","Vous trouverez les réponses aux questions les plus fréquemment posées sur les solutions d’allègement de la dette, la terminologie de la dette, la préparation d’un budget et plus encore.\r\n\r\n","faq",[261,264,266,268,270],{"title":262,"content":263},"Can I get a loan after a consumer proposal?","\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":265,"content":263},"How does a Consumer Proposal affect your credit?",{"title":267,"content":263},"Can I pay off my proposal early?",{"title":269,"content":263},"Which type of lorem ipsum should I file?",{"title":271,"content":263},"What are Debt Consolidation Services?",[273,286,296,306,316],{"ID":274,"post_author":39,"post_date":275,"post_date_gmt":276,"post_content":277,"post_title":278,"post_excerpt":38,"post_status":10,"comment_status":279,"ping_status":279,"post_password":38,"post_name":280,"to_ping":38,"pinged":38,"post_modified":281,"post_modified_gmt":282,"post_content_filtered":38,"post_parent":44,"guid":283,"menu_order":44,"post_type":259,"post_mime_type":38,"comment_count":284,"filter":285},5642,"2024-06-19 10:36:02","2024-06-19 14:36:02","Vous pourriez avoir besoin de conseils en dette si vous avez de la difficulté à effectuer vos paiements minimums, si vous vous servez de votre carte de crédit pour tes nécessités de base, si vous recevez des appels de recouvrement ou si vous vous sentez accablé par votre situation financière.","Comment savoir si j’ai besoin de conseils en dette ?","closed","how-do-i-know-if-i-need-debt-counselling","2025-12-01 13:46:42","2025-12-01 18:46:42","https://hync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com/?faq=how-do-i-know-if-i-need-debt-counselling","0","raw",{"ID":287,"post_author":39,"post_date":288,"post_date_gmt":289,"post_content":290,"post_title":291,"post_excerpt":38,"post_status":10,"comment_status":279,"ping_status":279,"post_password":38,"post_name":292,"to_ping":38,"pinged":38,"post_modified":293,"post_modified_gmt":294,"post_content_filtered":38,"post_parent":44,"guid":295,"menu_order":44,"post_type":259,"post_mime_type":38,"comment_count":284,"filter":285},5644,"2024-06-21 13:19:20","2024-06-21 17:19:20","Nos experts en endettement se feront un plaisir d'échanger avec vous sur votre situation. \u003Ca href=\"/fr/nouscontacter/\">Communiquez avec nous\u003C/a> pour une consultation gratuite.","Comment est-ce que je peux bénéficier du conseil en dette ?","how-can-i-get-help-with-debt-counselling","2025-12-10 08:30:29","2025-12-10 13:30:29","https://hync25uo0rocs6jyee4xnsfbp.js.wpenginepowered.com/?faq=how-can-i-get-help-with-debt-counselling",{"ID":297,"post_author":39,"post_date":298,"post_date_gmt":299,"post_content":300,"post_title":301,"post_excerpt":38,"post_status":10,"comment_status":279,"ping_status":279,"post_password":38,"post_name":302,"to_ping":38,"pinged":38,"post_modified":303,"post_modified_gmt":304,"post_content_filtered":38,"post_parent":44,"guid":305,"menu_order":44,"post_type":259,"post_mime_type":38,"comment_count":284,"filter":285},5643,"2024-06-19 10:36:41","2024-06-19 14:36:41","Oui, un conseiller en dette peut vous aider à explorer des alternatives à la faillite, comme la proposition de consommateur, qui peut réduire votre dette jusqu'à 80 %. 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