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.

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.

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.

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.