Looking for a change? Have debt consolidation, payday loans or credit and debt counseling been part of your Personal Financial picture?

Would you like to improve your Financial Wellness by learning more about managing your Credit and Debt?

If the answer is yes, please contact Debbie Squier-Bernst at
A Step Beyond.ca in Thunder Bay for your financial wellness solutions.

Do you have outstanding payday loans, student loans or debt consolidation loans?   Do you think you will need to do a formalized debt repayment program to get out of the maze of debt?

A Step Beyond.ca may be able to show you some common sense credit and debt solutions that you can do on your own.

Debbie Squier-Bernst, Certified Bankruptcy and Insolvency Counsellor can help!

A Step Beyond.ca provides information, education, E-learning solutions as well as  credit & debt counselling to individuals, couples and families to assist in achieving  the highest level of Financial Wellness possible for your lifestyle.

Contact A Step Beyond.ca for your private, confidential Financial Wellness Check-Up today.

Meet with an experienced Financial Wellness Specialist with several years experience who will advise you of the options available to you and assist you to make informed decisions about your financial future.

A Step Beyond.ca offers 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. 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 for money problems or Alternatives to Bankruptcy by visiting Moneyproblems.ca. The site provides free advice for Canadians dealing with money problems as well as detailed information on   bankruptcy and bankruptcy alternatives in Canada.
  

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!

Call for your confidential

Financial Wellness Check-up Today!

Tel: 1.807.345.3328(Debt)

Toll free: 1.877.738.3328(Debt)

Puzzled by Finances?

A Step Beyond.ca offers credit and debt solutions for individuals who want to improve their financial wellness by putting their financial picture together.

Credit and Debt Solutions!

What's New:

Do you have  questions you would like answered?  E-mail  January: Financial Planning Series February: New  Interactive tool! submit  for individual assessment    ROOF Program has been extended until June 30th, 2008. Application forms can be obtained online at ontario.ca/ROOF, or by calling 1.888.544.5101 March: Landlord and Tenants Act  now Residential Tenants Act   April: Identity Theft: what it is, &  how to protect yourself May: Vacation Planning Tips CLEO June: Test Your Credit/Debt IQ Personal Finance 101 Financial Consumer Agency July: Community and Social Services: Ontario Works and ODSP   August: Attention Confederation College Students! SUCCI discounts available at www.succi.com:80/discounts.php September: First Time Home Buyer's, RRSP'S  and the Home Buyer's Plan  October: Require Assistance with your RENT? ROOF Rental Opportunity for Ontario Families  French Available in 10 other languages at www.Ontario.ca/ROOF  November: Retrofit your home and qualify for a grant EcoEnergy Retrofit-Homes December: Disability tax credit, are you eligible? www.arc.gc.ca and search T2201

More Financial Wellness Tools:

Improve your financial wellness with the E-Toolkit : Sample Letters to Creditors / Collectors asking for: Reduced Payments for the following: ==Financial Hardship ==Illness, Injury, Unemployed  ==Reduced Income ==Wages Garnished Consumer Complaint Sample Letter: ==state your situation and ask for a resolution Taxpayer Guidelines: -Income Tax Debt and Interest Pension Withdrawals for Financial Hardship Bankruptcy and Financial Hardship Information Tools to rebuild your credit and improve your financial wellness:  Apply for Secured Mastercard   Apply for Secured Visa Apply Today for Your Credit Report to find out what your Financial Wellness Picture says about you! Order these products online direct from EQUIFAX: The Score Power product, the only credit score that uses the FICO score...priced at $21.95 Credit Report is an easy to read on line consumer credit report... priced at $14.50

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!