Debt Free In 30

Heather Cudmore is a credit counsellor with Mosaic Counselling and Family Services, a program of Carizon Family and Community Services in Kitchener, Ontario, and on today's show we discuss credit counselling. Who does a credit counsellor work for?  Is it true that they are just a collection agency for the big banks?  What does it cost?  What are the fees? Isn't a debt settlement better and cheaper?  What about other options?   Answers to those questions and a lot more on today's show, and in the bonus segment Heather shares lots of practical advice for getting the best deal on a loan, and much more.