IMPORTANT MESSAGES FROM BSCC ON COVID-19 – BSCC is taking proactive measures to assist Canadians during the Covid-19 situation and beyond. Arvinder Kalsey has very important messages to share with Canadians that can be seen by clicking here which will take you to our videos page. We are here to assist you.

Toronto – 905-789-8984
Vancouver – 604-951-8984
Calgary – 403-714-8984
Edmonton- 780-716-8984
Winnipeg – 204-962-8984
NationWide – 1-866-790-8984


What can I do to start the process?

First, contact BSCC. We can show you legal, government-approved programs ideally suited for your situation. If you’re not ready to contact BSCC, we recommend calling each and every creditor, explaining to them why you’re unable to make payments on-time and suggesting an arrangement that works for both parties. You might be surprised to find many creditors are more than willing to cooperate with you.

What are the benefits of working with BSCC?

Our Debt Management Program is focused on assisting you in regaining control of your finances, creating a household budget, and consolidating your debt into one monthly payment. BSCC has established a relationship with creditors that allow us to offer you specific program benefits as determined by each individual creditor. Most creditors do provide program benefits, which may include lower interest rates, stopping late and over-limit fees, and updating delinquent accounts to reflect the current status.

Is my information kept confidential?

Yes. BSCC’s privacy policy pledges that client information will be strictly safeguarded and stored in a safe manner at our office. We maintain physical, electronic and procedural safeguards that comply with regulations to guard your nonpublic personal information and will not disclose information to anyone except those persons authorized by you.

Will creditors stop harassing me?

Yes! By law, all collections activity including phone calls and other correspondence must cease the moment documents are filed. While this doesn’t apply to all secured creditors such as bank-funded mortgages, liens or car loans, BSCC can show you the most favourable resolutions available based on your individual circumstances.

What kinds of debt can be consolidated?
Our debt management program can help you with unsecured debts such as credit cards, department store cards, signature loans, and many different kinds of collection accounts.
When will my interest rates start to go down?
Many creditors will lower the interest rate immediately upon acceptance of a Debt Management Proposal. Others may wait for a predetermined number of consecutive program payments to post on your account before lowering the interest rate.
Is this program similar to Bankruptcy?

No. Bankruptcy is a negative remark that stays on a consumer’s credit report for 6 years and negatively affects creditworthiness, whereas a neutral Credit Counseling notation is removed once someone completes the program. Through a Debt Management Plan, many creditors will report your account as current once your proposal is accepted and there is consistent payment history, thus improving your credit rating.

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