Confidential Debt Reduction Application
Give us 30 minutes and we will give you a path to debt freedom. This simple to follow application form will provide our team a concise picture of your financial situation. Don’t worry if you can not answer all the questions immediately, we will work with you to get this completed.
Sole proprietors and entrepreneurs income statement
Easy to use income and expense form. Just fill, save and send.
Pre-authorized Debit Authorization (PAD)
Fill, print and submit for easy payment solutions. Debit your payments directly from your bank account.
Debt & Credit Partners
Gail Vaz-Oxlade Debt Free Forever – Unravels debt and the mystery of money
Money Skills for Teens – Teaching teens about credit and credit cards
Understanding your Credit Score – The how and why on understanding and improving your credit score
Equifax Canada – Know your credit score and protect yourself from identity theft
TransUnion – Canada’s credit score reporting agency, 3 steps to knowing your credit score and tracking your credit
Dealing with Debt: A Consumers Guide- Industry Canada guide for consumers struggling with debt
Payday Loans – Government of Canada’s Alert “An expensive way to borrow”
Mint Canada – Canada’s TOP PICK Money management software. Free & Simple with mobile apps, Helps you track and understand where your money is going.
Budget Calculator – Financial consumer agency with the Government of Canada offers a quick online budget tool
Begin Early – Teaching Children money skills
My Money My Choices – Looking to take control of your Money & your Life? Free program by Gail Vaz-Oxlade.
Need More Help?
Consumer Protection – Know Your Rights
Debt Collection – Help for Consumers Consumer Protection BC, Know your rights and the regulations
Fraud Protection – It Pays To Know, Government of Canada’s fraud prevention agency
Consumer Information – Reliable source for clear, concise & trustworthy information on consumer issues.
Bankruptcy Links & Insolvency Forms
Bankruptcy and Insolvency Act The BIA, provides the legislation and regulation related to bankruptcy law and consumer proposals.
Bankruptcy Assistance Program: Information for consumers experiencing extreme hardship and unable to pay for bankruptcy services
Bankruptcy & Insolvency statistics in BC: You are not alone, the current rates of consumers and businesses filing insolvency
Life After Divorce – Getting your Financial Life in Order after family breakdown.
Rebuilding after Foreclosure – Learn how to rebuild your life and home one step at a time.
Credit after Bankruptcy When you are ready to rebuild your credit, talk to the professionals at Refresh Financial. Refresh, a BC company, offers proven credit rebuilding systems with fair interest rates, prepaid credit cards and credit rebuilding tools.
Chilliwack Regional Resources
Work BC – Easy to use database for employment and job listings in BC, Chilliwack and the Fraser Valley
Chilliwack Resource Center – Helping families and individuals gain access to free information and services to improve their lives
Chilliwack Community Services – Creating positive opportunities to change peoples lives
United Way Fraser Valley – Community partners building a safety net for families and citizens of Chilliwack and the Fraser Valley
MFRC Mainland BC – Military Family Resource Center, Chilliwack, programs and services to support our CF members and families
Seniors Resource Society – Chilliwack & District Seniors support, programs and services.