Book your Free Consultation
780-424-9944 | 1-800-463-3328 410-10665 Jasper Ave NW, EDM AB T5J 3S9

How long do bad debts stay in my credit file?

A negative payment history will stay in your file for six years. However, debt consolidation arranged through consumer proposals, drafted by financial professionals like those at A.C. Waring & Associates Inc., may be expunged from your records in as little as three years.

Back to top

What is debt consolidation?

Debt consolidation, at A. C. Waring & Associates Inc, is the process of combining several outstanding debts into one single debt. This is arranged, formally, through a consumer proposal.  With only one monthly payment to worry about, it is much easier to balance your budget.  Debt consolidation also eliminates the interest portion of your debt going forward, which helps to shrink your debt faster.

Back to top

Do you offer free consultations?

Yes. The first time you meet with us we’ll conduct a free, confidential assessment of your current financial situation and advise you of your options. Sometimes this can be done solely over the phone. Most times, depending on your circumstances, these will need to be done in person–by appointment or just drop in.

Back to top

I need debt help but I don’t live in Edmonton. Can you still help me?

Yes. We offer debt advisory services to Central and Northern Alberta communities as far away as Grande Prairie, Fort McMurray and everywhere else in between. We provide free consultations either in person, or over the phone. Call us toll-free from anywhere in Alberta at 1-800-463-3328 and speak to one of our debt counsellors today.

Back to top

What other services do you offer?

In addition to arranging consumer proposals, debt restructuring, and bankruptcy proceedings for individuals and small businesses throughout Alberta, we also provide credit-counselling services so that you can learn how to prevent further debt problems.

Back to top

« Previous Page Next Page »