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Credit & Debt Counselling Thunder Bay
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E-Toolkit Resources


The  E- Learning Centre provides online access to resources which will assist you to take charge of your finances, money, credit and debts.

You have  access to the following E-Toolkit Guides: 

 

Budgeting Basics (Parts One to Four) 

 
Part One: 
What is Budgeting?
 
Part Two: 
How do I Track Expenses?

Part Three: 
The Key to Budgeting

Part Four: 
Develop Your Own Personal Budget

 

Money Management (Parts 1 - 3)

 
Part 1:
Financial Goals, Needs and Wants

Part 2:
Prioritize Who to Pay

Part 3: 
Pay Cheque Planning 

 
How to deal with Creditors & Collection Agents

Part One:
What are my rights if I owe $
 
Part Two:
What does my credit report really mean?

 

E-Toolkit Includes:

Sample Letters to Creditors / Collectors:
--Ask for Reduced Payments
--Financial Hardship
--Illness, Injury, Unemployed 
--Reduced Income

Consumer Complaint Sample Letter:
--stating a problem or asking for a resolution to a problem

Taxpayer Guidelines:
-Income Tax Debt and Interest
-Pension Withdrawals for Financial Hardship

-Bankruptcy and Financial Hardship

 

Sample Letters:

More:

 

--Free "Tell Us About Yourself" Assessment
--Pay Cheque Planning Tools

 

 

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