3. Talk to a non-profit credit counsellor

A non-profit  service may be able to help if you have a lot of  or have trouble paying your bills. They’ll meet with you to discuss your options.

They can also help you if you’re dealing with a .

For example, they can tell the collection agency that they’re helping you to make a plan to pay back your debt.

Sometimes, a counsellor can convince the collection agency to:

  • let you pay back less money than they’re asking you for
  • lower the  rate that you’re paying on the money you owe
  • give you more time to pay back your debt

Paying a fee

Non-profit counsellors charge money to help you. But if you can’t afford to pay, they might charge you less or nothing at all.

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