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Credit Counselling Cambridge
Managing your finances, especially when you have a lot of debt, can be overwhelming. With determination and the right resources, you may be able to mend your finances on your own. However, if you’re struggling to pay your bills or to tackle mounting debt, you may need help. Most of the clients that we see at Expert Mortgage, have been given advice by a trustee in bankruptcy. These trustees try and push their clients towards credit harming strategies like bankruptcy, consumer proposal, and credit counselling in Cambridge. In this article by Expert Mortgage, we will talk about why you should avoid these strategies at all costs. Read on for more information.

Set up a call with an Expert Mortgage professional here.

In what cases does it make sense to talk to a credit counselor?

  • If you are struggling to meet your monthly credit card and/or mortgage payment, considering bankruptcy, or just want help setting and meeting your financial goals, it’s a great idea to seek free advice and resources.
  • If you are considering or have been turned down for a consolidation loan for your unsecured debt (for instance, credit cards and personal loans), you might be a good candidate for a debt management plan administered by the credit counseling agency.
  • If you are considering purchasing a home, a credit counselor can provide pre-purchase counseling.
  • If you are struggling with debt, a credit counselor can help you navigate the crowded debt-relief space and avoid scams.

How does credit counselling in Cambridge affect my credit score?
A Canadian consumer cannot enter a debt management program such as consumer credit counselling and escape notice from present and future creditors. When you sign up for a credit counselling service, a note is made on your credit report that indicates you are currently enrolled in a special program to manage your debt repayment. That note will make it harder to qualify for new credit while you are still repaying the debt covered under the credit counselling agreement. Once your debt is repaid, the note does not immediately drop off your credit report. Instead, it remains there for 2-3 years, alerting potential creditors that you have had difficulty paying your debts in the past.

What can Expert Mortgage do for you?
Simple. Debt consolidation and refinancing. These are just a few of the strategies that we can assist you with as a means of debt relief. The best part is, these strategies do not damage your credit score, and do not go on your credit record! If you are trying to get a first, second, or even third mortgage, debt consolidation and refinancing can help you pay off lingering debts and find you a better rate.

For more information about why you should avoid credit counselling in Cambridge, please feel free to continue browsing through our website. Click here to find our contact information and to fill out our contact form.

WHAT PEOPLE ARE SAYING…

  • Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    C.H. - ST. CATHARINES, ON
  • Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    M.Z. Brantford, ON
  • Matthew’s knowledge, experience and above and beyond work ethic sets an exemplary standard of professionalism and accountability. His integrity and drive is second to none… He truly is a miracle worker!! I have no hesitation in recommending his services to anyone seeking expert assistance. I’m beyond grateful and blessed!!

    M.D., BINBROOK, ON
  • I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off or back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.

    KKP, Hamilton, ON
  • I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now it has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    M.D, Mississauga, ON
  • We would like to thank Matthew and his team. We put a lot of money down on a Rent to Own property that we were renting, but we could not get anyone to help us out till we found Mathew. He made it happen and closed on time when no one else could. From all of us here THANK YOU! We now own our own house!

    C.T., Hamilton, ON
  • Thank you for all the help that you gave me, most patiently and with deep understanding. I was very comfortable asking you everything and anything. Your team did great job in making me understand the financial side. I have learnt a lot. Thanks to Matthew for taking time to come to my place. He not only did his work, but for a short time, took me back to most nostalgic memories of my life, before I came to Canada. I am also grateful to the lawyer for coming to my place to meet with me, and quickly closing the mortgage and releasing the funds.

    S.S. - Mississauga, ON

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