FAQs
Frequently Asked Questions
Straight answers to the questions we hear most often.
Is my initial consultation really free?
Yes. Your first consultation is completely free and comes with no obligation. We'll review your situation and explain your options with no pressure to commit.
Will getting help hurt my credit score?
It depends on the solution. Some options affect your credit temporarily, but a clear plan helps you rebuild faster than continuing to miss payments. We explain the impact of each option before you decide.
How much of my debt can I reduce?
It varies by your circumstances and the solution you choose. Some clients significantly reduce what they owe through a debt-relief program, while others simply lower their interest and simplify payments. We'll give you honest numbers up front.
Is everything I share confidential?
Absolutely. Every conversation and all of your information is kept strictly confidential.
Do you provide debt help in Edmonton?
Yes. Credit Matters is located in Edmonton and provides debt guidance for Edmonton residents, as well as support for people elsewhere in Alberta and Canada.
What's the difference between a debt-relief program and bankruptcy?
A debt-relief program lets you repay a reduced amount over time while keeping your assets. Bankruptcy discharges most unsecured debts through a legal process. We'll help you compare both in your free consultation.