Debts keeping you up at night?

Are debt consolidation, payday loans and credit card debt part of your Personal Financial picture?

If the answer is yes, peruse the  A Step Beyond.ca website for all your financial wellness solutions.

The A Step Beyond.ca website provides information, education, E-learning solutions for individuals, couples and families to assist in achieving the highest level of Financial Wellness possible for your lifestyle.

Do you have outstanding payday loans, student loans or debt consolidation loans that you can't afford to repay? 

Let any of the professional staff from the Thunder Bay BDO Insolvency team be of assistance.  Contact Us 

BDO Canada Ltd. and A Step Beyond.ca offer the following Credit and Debt Solutions:

• Learn to Live Within Your Means and Manage spending by learning how to track expenses and determine what your spending habits are in a typical day?

If you're not sure  what your typical day looks like, or how to track your expenses the following solutions will help you to figure it out :

• save all of your receipts for the day, week, month
• total them up on a regular basis to see how much you've spent
• consider what you were spending for -- need or want

Discover what many people have already learned from credit and debt counselling to become debt free. Follow this 5 Step Plan to reduce your debt.

Use these Tools  to improve your financial wellness.

Additional resources have been provided in Financial Wellness Tools:

Sample Letters for :

     --Assistance with Creditors and Collectors,
    --Consumer Complaints and Resolutions.

Government Resources for:

--Assistance with your rent from the R.O.O.F. program for links see What's New October

--Financial Hardship Pension Withdrawals,
--Income Tax Interest reduced on outstanding income tax debt.

Do You Want to turn your dreams into reality?

A Step Beyond.ca will show you how!

Use the following E-Learning opportunities to discover:

• How to Develop a Personal Budget
• Making It from ' Payday to Payday' with money to spare
• Deal with Creditors and Collection Agents on your terms
• Write Complaint Letters (if unhappy with a product, service or company)
• Repay your Debt  and gain Control of your Life
• Your Individual Rights and Responsibilities when Dealing with Credit, Creditors and Debt
  

Budgeting Basics (Parts One to Four)

Learn about the following:

• Statement of Lifestyle Expenditures
• What your Cash Flow says about your financial situation
• The Key to Successful Budgeting 
• How to Develop your own Personal Statement of Lifestyle Expenditures 

Money Management (Parts 1 - 3)

Determine:   Financial Goals, Needs or Wants?

Learn to:   Prioritize Who to Pay

Discover Success by:   Pay Cheque Planning

How to deal with Creditors & Collection Agents

Learn:   What your rights are even if you owe $

Discover:   What your credit report really means and What it Says About Your Financial Wellness?

Master   your finances and solve your financial puzzle through budgeting, money management, credit and debt management.

Debbie's Story

Debbie shares her experiences with debt to empower others with information and knowledge about how they too can make it through the maze of their own personal finances and improve their financial wellness.... for more

"TELL US ABOUT YOURSELF" FREE ASSESSMENT

The following E-Learning Credit and Debt Solutions   have been provided:

• Alternatives to Debt Consolidation include Budgeting, Money Management and Saving for a Rainy Day
• How to Negotiate the best Mortgage
• Resolve Student Loan problems before they occur by being prepared for student loan debt
• Pay Down Debt or Save for Emergencies?

Discover credit and debt counselling solutions by following the links to resources that have been provided to assist you to:

• report a complaint against a creditor or collection agent
  at http://consumerinformation.ca.   This website has an online complaint courier where you can file your creditor complaint.
• receive your credit report directly from Equifax Direct-to-Consumer Services. www.equifax.ca   - consumers gain access to their credit information. Follow the links and you can have your credit report or credit score within minutes. Equifax will manage all payment processing, reporting, etc.
• find solutions and Alternatives to Bankruptcy by visiting www.thunderbaybankruptcy.ca. This blog provides free advice for Canadians dealing with money problems as well as detailed information on  Bankruptcy, Consumer Proposal and Alternatives to Bankruptcy. 

Equifax Direct-to-Consumer Products:

Equifax Credit Report   is an online service that enables consumers to access their credit information along with electronic dispute resolution. A consumer friendly version of the credit report can be viewed online for 30 days or may be printed.

Score Power   provides consumers with the ability to proactively manage their credit score so they are empowered to negotiate the best loan rates. Score Power is an online service that provides consumers with their individual Equifax Credit Profile, a Fair Isaac FICO score and a personalized score analysis.

FICOScore   ...more than 70% of the 100 largest financial institutions use FICO scores to make billions of credit decisions each year. Consumers purchasing Score Power are better empowered than those using a non-FICO score.

Turn your dreams into reality!

Determine Where You are right now!

Learn what your financial picture says about you!

Check out what we have to offer in Consumer Services :

• Where are you financially?
• How would you rate your financial wellness?
• "Where Do You Want to Go with your Finances?
•  "How You Will Get There, What's the Plan?"
• What is your "Stage of Financial Fitness?"  
• Give yourself a Financial Checkup!
• Learn about resolving issues with creditors, student loans, and other debt repayment options.

• Learn how the OMBUDSMAN ONTARIO can help you!

Call for your confidential

Financial Wellness Check-up Today!

Tel: 1.807.625.4475