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If you have finally decided to seek help for your financial problem, you will often want to ensure that you don’t find yourself in the same situation again.
The good news is that If you filed for either bankruptcy or a consumer proposal, you’ll be required to attend two counseling sessions with a qualified credit counselor.
These sessions are provided for you under BIA (Bankruptcy & Insolvency Act) guidelines and have to be done with a qualified professional counselor that passed the CAIRP National Insolvency Counselors Qualification Course.
In these sessions, you will focus on money management, credit repair, spending and shopping habits and the warning signs of financial difficulty. In the end, you will hopefully determine the true cause of your problem so you can address the issues in your life that need to be addressed.