Searching for Credit Counselling

• bi-monthly food hampers ; bread, baked goods and produce
• clothing, personal care items ; small household items
• baby items
• utility support ; transportation
• prescriptions ; glasses
• emergency accommodations ; mattresses
• referrals
• Christmas Hampers
• backpacks/School Supplies ; summer camp

• crisis support
• youth outreach program
• assistance for families and individuals to maintain safe, affordable housing
• eviction prevention
• income tax completion
• life skills and budgeting assistance
• emergency Hydro Arrears (not all utilities) available for individuals who reside within Centre Wellington and Wellington North including CW Hydro, Wellington North Power, Westario and Hydro One.
• licensed child care centre for ages 18 months-4 yrs of age. Before and After school programs offered as well at various locations in Centre Wellington.
• EarlyON Child and Family Centre programs in Centre Wellington, Wellington North, Minto, Mapleton and East Wellington.
• information and referrals
• volunteer transportation program - central intake and referral for Wellington Transportation Services
• Assistance with food insecurity
• Assistance for families and individuals who are in need of phones or internet support.
• Intake agency for the OESP (Ontario Electricity Support Program) We will assist with applications for this program.

• navigating the process of filing for bankruptcy
  
• drafting a practical proposal to creditors (consumer proposal)
  
• developing better budgeting and money management skills through credit counselling
  
• connecting with other debt consultants and professional advisors in situations where filing for bankruptcy or making a proposal are not suitable solutions

Stores and maintains credit information about individual Canadian consumers for use by members of the credit reporting agency
* provides credit reports to individuals upon request
* provides information about fraud prevention and assistance

Consumer Website: ocs.transunion.ca provides access to Consumer Disclosure Report, the option to add/modify a Potential Fraud Alert, and open up an Online Dispute
* also provides educational resources and tools to help gain a clear understanding of credit history and the impact of financial behaviour, and guard against identity theft and financial fraud

Credit Report: individuals may obtain their Consumer Disclosure Report (complete account of all the information on your credit report) free of charge online, by mail, in person or by phone

Credit Dispute: individuals who do not recognize information on their credit report, or believe an item may be inaccurate, may request a free investigation
* credit information may be disputed, or personal information updated, online, by phone or by mail (see website for form)

• assistance can be provided once every 60 days
  
• Christmas hampers and toys for low-income families (toys for children 0-11 years, gift card for youth age 12-14 years)
  
• Adventure camp (ages 6-15 years)
  
• backpacks for children and youth attending school
  
• informal counselling: (individual, family & budgeting)

• bankruptcy
  
• consumer proposal
  
• orderly payment of debts
  
• debt consolidation
  
• credit counselling
  
• informal debt settlement
  
• other options

• personal money management counselling
• online resources on consumer debt and money management

• managing debt
• stop a wage garnishment
• stop collection calls
• eliminate credit card debt
• dealing with tax debt
• student loan debt relief

• Debt repayment
• Debt problems
• Money management
• Debt settlement
• Dealing with creditors
• Bankruptcy

Services include:

• personal money management counselling by appointment
• mediation between debtor and creditor
• consumer debt repayment programs
• consumer credit education
• speakers available to employers, schools and community groups
• counsellors hold the professional designation of Accredited Financial Counsellor Canada (AFCC)

Community Family Services include:

• social services
• emergency food assistance
• Pathway of Hope
• spiritual counselling
• summer camp assistance
• budget counselling
• individual assistance on a case-by-case basis
• volunteer services
• referrals to all other Salvation Army institutions
• Christmas assistance program for families in need of support during Christmas

• building budgets based on income and expenses
• negotiating with creditors to stop interest on debts