Disclaimer - Please Read

These questions and answers are informational and not advisory. This page does not constitute legal advice nor is it an attempt to solicit clients. No person or entity should act or forbear any act based on the information contained herein. You should always contact an attorney authorized to practice law in your State for specific legal advice. The information and materials are true to the best of our knowledge. Any member, governor, manager and agent providing information is not responsible for inaccuracies with respect to such information and materials and nothing in this site constitutes legal advice by the company or by its members, governors, managers, employees or agents.

Q. What type of debt can I enter into your Debt Relief Course?
A. We teach you how to discharge your debt quietly and privately and you will learn how to regain some of your freedom.

Q. Can I still use my Credit Card once I have started this process?
A. No. Once you begin the Debt Elimination Program, you can not engage in any new obligations.

Q. What happens if I make a payment to a debt collector or collection agency?
A. If you pay a debt collector, you create a NEW obligation and/or contract with the debt collector that never existed before the payment. The payment is evidence of consideration, or consent, or agreement from you that you will continue to pay the balance owing.

Q. Can you explain the differences between the Creditor and the Collector?
A. A creditor is the service provider such as your bank or credit card company. A debt collector is a company that is generally not in the business of extending credit or issuing credit cards, but merely assumes the collection of accounts on behalf of the creditor.

Q. Does this Program work when my debt is owed to CCRA?
A. No. This program is specifically designed for unsecured loans and credit cards from financial institutions.

Q. Do you offer Consultation?
A. Yes, we are available for telephone consultation as well we will respond to any and all questions when you fill out the information request form.

Q. Do I need a lawyer to use this program?
A. No, the program is designed to give you step-by-step instructions of how to respond to any collection attempt. We believe that we can do more by educating ourselves and not relying on government educated and licensed lawyers, attorneys, and practitioners.

Q. Will this affect my Credit Rating?
A. Yes. There will be negative remarks on your credit history that can affect your credit rating. It is recommended that you do not apply for any new credit while utilizing this process.

Q. Will there be harassing phone calls from creditors and collectors?
A. Yes. There is a limit to the number of times a collector can call, which varies province to province. Read the instructions page carefully to learn how to handle these situations.

Q. What if I get a letter offering me to pay LESS that the full balance?
A. DO NOT ENGAGE IN A NEW OBLIGATION! Once you COMMIT to a new obligation and begin to pay, they can and will most likely come back for the rest.

Q. What if I get a letter after I send my 1st letter to the creditor and/or collector from someone different than who I sent my letter to?
A. If this letter is not a sworn affidavit with the completed DISCLOSURE STATEMENT then it is not a correct response and you send a follow-up response. Your own newly constructed "Written Letter of Response" directly responds to the letter from the creditor and/or collection agency. We provide you with a tutorial letter in your program as an example.

Should you have additional questions, or wish to participate in a Free Telephone Consultation, please visit the 'Contact Us' page and fill out the Information Form.