When you're in debt, chances are you may find yourself face-to-face with collection agencies. It's easy to feel overwhelmed and stressed as you try to keep up with it all, but running away or hiding from collecting agencies isn’t the best option. The ideal choice would be to enter into a debt relief program, such as an informal proposal to your creditors. An informal proposal is an out-of-court settlement wherein your creditor agrees to let you pay an amount lower than the total you owe. If you go into a debt relief arrangement with reputable debt counsellors in Canada, such companies can help negotiate the amount.
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