How to Deal with Auto Loans & Liens

Get back on track with helpful, practical guidance and possibly other options that could help you.

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Problems with Vehicle Loans are Not Uncommon

Are you struggling to pay your vehicle loan? Are you in danger of having your car, truck, or SUV repossessed? Maybe there's a lien against your vehicle that you need to get removed. If your facing anything along these lines, we can probably help you. We can look at your financial situation, help you figure out your best next steps (including how to deal with your creditor or the repo guy), and then help you put together a plan to get things back on track. We're a non-profit consumer credit and debt counselling service. One of our Credit and Debt Counsellors can help you get started right away with a plan to:

  • Manage all of your bills and living expenses
  • Look at all your options to get your finances back in order
  • Repay your debts with one manageable monthly payment
  • Save thousands of dollars in interest payments

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How We Can Help with Auto Loans & Vehicle Liens

We'll Help You Create a Realistic Budget to Manage Your Expenses

This might sound strange at first, but one of the first things you need to do to deal with an auto loan problem is to create a monthly spending plan for your money: a budget. We can help you do this – and here’s why this is so important. You probably need to free up some money to be able to afford your vehicle loan or to manage other debts that are eating up your income. If you are spending exactly what you earn – or maybe a bit more than you earn – then it’s going to be impossible to pay your debt down. By letting a budgeting expert help you put together a budget, you can find places here and there to optimize your spending so that at the end of the day, you've actually freed up enough money to fully pay your bills and begin paying down your debt.

We Can Help You Explore Your Options to Consolidate Debt

After one of our Credit Counsellors helps you put together a solid budget and gives you some tips and guidance, you may feel that you can now tackle your debt on your own. If that’s the case, then that’s fantastic. However, if you have other debts that you're struggling to pay too, then you might also want to explore other options that could possibly help you consolidate your debt and pay it off more quickly. Consolidation options can include a consolidation loan, debt settlement, Debt Management Program, Consumer Proposal, or other options.

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To take a good look into all your options, see what your next best steps are, and then see if there is anything else that might be able to help you, give us a call and make an appointment to speak with one of our Credit Counsellors. You can meet with one either in person at one of our offices or over the phone if that’s more convenient for you. They’ll help you put together a budget, explore all your options, and then help you create a plan to get your finances back on track as quickly as possible. Appointments with our Counsellors are always free, completely confidential, and non-judgmental. We’re simply here to help you. Give us a call at 1-855-232-4888.

 

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Accredited member of Credit Counselling Canada.
International affiliate of the National Foundation for Credit Counseling.
Accredited as a charity with the Better Business Bureau.
Winner of the Consumer Choice Award in cities across Canada.

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