rug cleaning

rug cleaning

KB Cleaning Services, Inc. is a family-owned and locally operated Business that proudly services the carpet and upholstery cleaning & house cleaning needs in the Metro Atlanta area. We provide our services to both Residential and Commercial clients. KB Cleaning Services INC. operated full cleaning company designed to suite all your home cleaning needs.we strive on providing the hightest level of cleanliness detail timeliness and professionalism. It is our goal to ensure that our clients make KB Cleaning Services on a weekly, bi-weekly monthly or seasonal basic cleaning.

rug cleaning

office cleaning

office cleaning

KB Cleaning Services, Inc. is a family-owned and locally operated Business that proudly services the carpet and upholstery cleaning & house cleaning needs in the Metro Atlanta area. We provide our services to both Residential and Commercial clients. KB Cleaning Services INC. operated full cleaning company designed to suite all your home cleaning needs.we strive on providing the hightest level of cleanliness detail timeliness and professionalism. It is our goal to ensure that our clients make KB Cleaning Services on a weekly, bi-weekly monthly or seasonal basic cleaning.
office cleaning

Carpet Stretching-repair

Carpet Stretching-repair

KB Cleaning Services, Inc. is a family-owned and locally operated Business that proudly services the carpet and upholstery cleaning & house cleaning needs in the Metro Atlanta area. We provide our services to both Residential and Commercial clients. KB Cleaning Services INC. operated full cleaning company designed to suite all your home cleaning needs.we strive on providing the hightest level of cleanliness detail timeliness and professionalism. It is our goal to ensure that our clients make KB Cleaning Services on a weekly, bi-weekly monthly or seasonal basic cleaning.

Carpet Stretching-repair

Debt Consolidation Canada

Debt Consolidation Canada

Debt Management Program’s. Fear, Angst and Facts. What You REALLY Need to Know
by Don Antle, President, Options Credit Services Canada
How much does a typical debt management program cost? Or; how do those guys get paid?
The short answer is that a good Debt Management Program (DMP) service costs you nothing. Zero. Zilch. Nada. The Canadian industry was set up in the 60′s by the CREDITORS themselves to allow their customers in debt distress to pay them back. The whole concept is based around Creditors providing DEBT RELIEF through interest rate and penalty waivers that REDUCE your DEBT LOAD and allow you to pay them back.
This allows the Creditors to at least get their principal and interest to date back verses what they would get from a bankrupt Client, which is probably nothing. Thus it is the Creditors not the Clients that pay the DMP fee through that debt reduction waiver.
Remember this. If anyone else in this industry actually increased a Client’s debt load this business could never work. You can’t afford the debt level you have now. In Canada you can only be on a program for a maximum of 60 months. If more debt was simply added to you on a DMP the program could never work on a mathematical level. Think about it. J
How will this affect my credit rating? Or; Will this affect my credit rating?
The short answer is that you are an R7 in Canada while on a Debt Management Program meaning you are on a special designation voluntary repayment schedule. That means you agree not to take on any additional unsecured credit while on the debt repayment program. If you have debts in collection or are seriously overdue your credit rating is an R9 anyway and you are already considered “un-bankable”. A debt consolidation or credit counselling program is the fastest way to get your credit rating built up or back to normal. Your current credit rating is a non factor from that perspective.
No reputable debt management company is there to ruin anyone’s good credit, credit rating or Beacon Score. Remember that with a debt management program your debt to income ratio increases rapidly improving your Beacon Score rapidly- the real basis for credit granting and interest rate costs. An R9 designates an uncollectable debt and makes you un-bankable the worst possible scenario for future credit. That’s what you can expect through bankruptcy IF YOU QUALIFY. Bankruptcy is no sure thing anymore as the eligibility and discharge rules were tightened considerably in Canada in 2008. Now if you have “excess” income over expenses you must pay that to a Trustee for 21 months before discharge. You can then be an R9 for 6 or 7 years AFTER that. That’s a heck of a long penalty my friend!
If you are current but just falling behind- talk to your bank about a consolidation loan or borrow money from family or friends to pay off or down your debts to a more manageable number. Call you credit card company and ask for interest rate reductions or even a debt re-aging-meaning they simply designate your past due debt as “current”.
If you have a home get referred to a good Mortgage Company or Broker who will treat you fairly. If you can qualify for a home equity loan maybe you can consolidate and pay down your debts or pay them off altogether.
If you want to settle you debts (one-time payment less than 100 cents on the dollar) by borrowing money-home equity or just from a relative etc most good Credit Counselling companies can negotiate a SETTLEMENT but it will affect you credit rating for typically at least 2 years.
In the odd case where you have good credit and are current but see a temporary problem coming in the future a good debt management agency may be able to act on your behalf to help save you credit from being negatively affected. Just bring those scenarios to them by telephone or email and they will typically evaluate their ability to intervene on your behalf and charge you on a case-by-case basis if appropriate.
The bottom line? If your credit is bad already all a DMP can do is improve it. If it’s good see above.
What’s the difference between a Debt Management Program and Bankruptcy or a Consumer Proposal?
This is very straightforward. If you qualify for a debt management program you theoretically CAN’T qualify for Bankruptcy. It’s that simple. Allow me to restate. If you have enough money to pay ALL of your debts given the interest/penalty relief offered by your debt management agency then that is what you are supposed to do. It is not a consumer “choice” to go bankrupt it is driven by your dire circumstance THAT ALLOWS NO OTHER OPTION. In a hierarchical sense debt management programs come first, Consumer Proposals second and Bankruptcy last.
THIS IS NOT A MATTER OF YOUR PREFERENCE BUT WHAT YOUR FINANCIAL SITUATION DICTATES. In other words you are required by law to pay all your debts you can afford to pay. If you qualify for a debt management program you SHOULD NOT qualify for Bankruptcy or a Consumer Proposal. You would have to be dishonest. You would have to hide income and/or assets.
Furthermore it is ILLEGAL for anyone in the industry to refer or counsel you into Bankruptcy. If you do qualify for a debt reduction program a Trustee is not an option. Period. If you don’t qualify perhaps you should see a Trustee and they can advise you from there. In Canada a debt poolers License could be suspended if they are caught referring you to Trustees or counselling you to go bankrupt.
These are just three of the many questions that are asked of counselling companies every day. Call a good and reputable agency -you will find them friendly, non judgmental and a great source of free professional advice. Good luck moving your financial future forward.
Don Antle is a Deans List Graduate of the University of Western Ontario and a former senior executive in a Canadian Fortune 100 corporate life. He found the credit counselling industry in 2004, ran Canada’s largest Independent Agency and is now the founder and President of Options Credit Services Canada LTD. a full service credit counselling and debt consolidation company.

Debt Consolidation Canada

Debt Consolidation Toronto

Debt Consolidation Toronto

DEBT CONSOLIDATION IN CANADA
by Don Antle, President, Options Credit Services Canada
Debt consolidation Canada is a frequently used search term on the internet for a very good reason. It is a very popular process of combining one’s unsecured debts like credit cards and line’s of credit into one lump sum typically without interest or penalties. This allows you the debtor to actually pay off the principle amount of your debt, not just make interest payments to your creditors.
Debt consolidation Canada type programs have been in use for over 4 decades actually and are growing in acceptance and use. Utilizing an Options Credit Canada debt consolidation plan will allow you to reduce your total debt obligations and rehabilitate your credit over time. Options repays all of your Creditors at once; you have one single monthly payment that can be up to 70% less than you are paying now. What’s not to like?
Exploring a debt consolidation program could be one of the most important decisions of your life. This tried and true method of debt elimination has been used by millions of people with great success. To understand the process and exactly what is meant by the term debt consolidation Canada please read on.
Debt consolidation process
The debt consolidation process is actually very simple. Options has pre-existing relationships with all the major creditors in Canada. We take your personal information and your list of debt and creditors and combine them into one streamlined amount. With your prior written agreement, called a “Letter of Consent” we contact those creditors advising them that you will be entering an Options debt management program.
This allows you to take advantage of our interest reduction/elimination agreements. The single monthly payment you pay into your debt consolidation Canada plan then is applied to your total debt load that now contains little or no interest. Your debts get paid off typically in less than 4 years.
Debt consolidation plans are really the only viable alternative to bankruptcy and have a much less damaging effect on your credit in the long and short term. This approach pays off 100% of the principle amount of the debt and is therefore looked on much more favourably by creditors than a bankruptcy.
Effect on credit
While on a debt management plan you are considered an “R7″. That is a special designation that means you are in a voluntary debt repayment program. While you are an R7 it is expected that you will not take on or use unsecured credit.
In the longer term your R7 will change once you “graduate” from your debt consolidation plan. It is not unusual for some creditors to start offering unsecured credit back to you in as soon as 6 months. Others can take longer-it is really up to the individual creditor and their internal lending policies.
Secured credit items like homes and autos can be purchased while you are on a debt management program. Our industry exclusive Options Express TM program is reserved for our best and most reliable Client’s. We are able to offer super deals to you from certified national vendors that are part of the Options Express TM program.
Please go here for more details.
Debt consolidation eligibility
Unsecured debts of any kind are ideal for a debt consolidation program in Canada. That includes credit cards, lines of credit, overdrafts, personal and bank loans as well as utility and household bills. Secured credit means simply that the funds you borrowed are registered or secured against collateral property or assets you own like your home, vehicle or RRSP’s, stocks and bonds. If you have difficulty making payments the creditor has the option of seizing the asset or property you used as security.
To be eligible for a debt consolidation Canada program at Options we will need to assess your ability to repay your debts in 5 years or less (legal requirement). The initial interview will only take 10 minutes or less and covers your household expenses, income and overall debt load picture and can be done over the telephone for your convenience. Our consultations are free with absolutely no obligations on your part.
Once we approve you we take over completely. Your debt consolidation program with Options means that creditors can no longer legally contact you they must go through us. We handle all negotiations and correspondence with your Creditors. You make one convenient monthly payment to us and we distribute the funds to all of your creditors. It couldn’t be simpler.
Live a stress and debt free life. Contact us today for more information and good luck moving forward with your personal finances.
Always remember…you do have options.

Debt Consolidation Toronto

Debt Consolidation Edmonton

Debt Consolidation Edmonton

Debt Options Canada
#26, 240 Midpark Way S.E.
Calgary, Alberta T2X 1N4 Canada
Toll Free 1-888-314-0000
Fax: 403-974-3299
Email: info@DebtOptionsCanada.com

HOW CAN WE HELP YOU?
Skilled staff and 25 years experience put to work for our Clients. We have the most skilled and experienced Credit Advisors in the Canadian industry. Options Credit brings innovation to a Credit Counselling Industry badly in need of a new approach. Options Express features the industry’s first individually written blueprint for a Client that guides them on their journey from out of control indebtedness to credit worthiness. We work within a Client’s cash flow and Creditor’s rules to eliminate debt. We do the work up, the critical budgeting and cost cutting, credit card balance transfers, loan consolidations, lump sum payments, debt consolidating, interest and penalty forgiveness—all planned and executed in person or remotely via the telephone or internet. Client support services are the biggest part of every file that we undertake. Our Client’s aren’t statistics, numbers or credit problems. They aren’t “credit criminals” but ordinary, working middle class Canadians that have had negative life event triggers. Options Express Clients receive more than just a written plan and pathway back to the mainstream. Our greatest gift is the hope we give. Our biggest reward is a lifelong loyal customer.

Debt Consolidation Edmonton

Debt Consolidation Vancouver

Debt Consolidation Vancouver

Thank you for coming to Debt Options Canada home here on the web. Hopefully we can provide you some financial and emotional relief. You are no doubt “shopping” for a solution to your financial problem. You are doing exactly the right thing.
First of all be assured-you are not alone. Not even close. Really you’re not that special. Millions and millions of fellow honest hard working Canadians just like you are living every day with the burden of debt that was created by unfortunate circumstances or unmanageable interest rates. We should know- we speak with people in your situation every day.
Secondly , take a breath. Every financial “predicament” has a solution. If you have made up your mind up to really do something about it that is the most important thing at this point. There’s going to be some pain and sacrifice involved. There is no avoiding that. But if you are resolute in your desire to escape your present circumstances and are seeking honest, straight forward advice-and more importantly action you’ve come to the right place. Let us show you now specifically what we are built to do for you here at Debt Options Canada.

By qualifying for our Options Express program you will save yourself literally years of waiting for your credit to return to normal.

We guarantee it.

Debt Consolidation Vancouver

Consolidate Debt Canada

Consolidate Debt Canada

What is a Debt Settlement
by Don Antle, President, Options Credit Services Canada
Simply put a debt settlement is a full payment of your debt for less than 100 cents on the dollar. It is done in full co-operation with your creditors based on their willingness to sign legal documents recognizing the full settlement of your debts with their acknowledgement on your credit report.

PLEASE NOTE THAT OPTIONS CREDIT SERVICES CANADA LTD. IS GOVERNMENT LICENSED AND BONDED IN CANADA TO OFFER DEBT SETTLEMENT AND DEBT POOLING SERVICES.

Here are 5 critical points to understand when considering utilizing Options Debt Settlement services

#1:
You’re In Control.
Options will never ask for your power of attorney or consent with the intent of altering your arrangements with your creditors. We simply contact your account holders to negotiate lump sum payouts on your behalf for the maximum savings possible considering your situation. All offers are presented to you for acceptance and approval to pay – you are informed of all deals as they happen and remain involved in the process throughout.

#2:
Options does not report to the credit bureau.
Unlike bankruptcies, consumer proposals and credit counseling, debt-settlement is not registered as an Orderly Payment of Debt Program on your credit history and settled accounts reflect as “Settled-In-Full” and closed at their current credit rating. Options does not share information with any organization without your expressed written consent. Be Aware: filing for bankruptcy, consumer proposal, or credit counselling results in an automatic R7/R9 OPD rating which takes years to come off your credit bureau.
#3:
You do NOT have to include all of your debt.
Options will only negotiate those accounts that the client wishes us to settle. This is especially sensitive in situations where there are co-signed accounts, or when not all of the accounts need to be settled. Under the approach of either bankruptcy, consumer proposals and credit counselling, the client must include all of the debt, no exceptions
#4:
Debt settlement occurs over weeks and months, not years.
Depending on the client-specific situation, a well-worked file should take several weeks to a couple of months to conclude, never years. While long-term payment plans are available, Options will work to complete the program with you as quickly as possible.

#5:
You are provided regular updates.
We are always available to you for regular communication on the status of your file. Options provides a spreadsheet to you at the beginning and end of the process that shows our target settlement levels (usually starting around 20%) by creditor based on the last several settlements we have reached with these creditors. A final spreadsheet confirms our progress and final achievement of those target reductions.
Debt Settlement is an innovative approach to debt-reduction and an alternative to bankruptcy, consumer proposals, credit counselling and other debt-management programs.

There are many variations of debt-settlement programs but essentially, debt-settlement involves negotiating with your creditors for a lump-sum payment towards an outstanding debt as a full and final settlement for a lower amount than what is actually owed.
There are different forms of this program, depending on the needs and requirements of the client. For the right circumstance, using the debt-settlement approach could bring many benefits unavailable through traditional debt-reduction methods.
When considering Debt Reduction options its best that you understand your rights as a consumer, and your creditor’s rights under the law.
Always remember…you do have options.

Consolidate Debt Canada

Credit Counselling Calgary

Credit Counselling Calgary

PRIMARY CONTACTS
Debt Options Canada
#26, 240 Midpark Way S.E.
Calgary, Alberta T2X 1N4 Canada
Toll Free 1-888-314-0000
Fax: 403-974-3299
Email: info@DebtOptionsCanada.com

Credit Counselling Calgary

DEBT OPTIONS CANADA GIVES YOU A UNIQUE OPPORTUNITY TO GET BETTER CREDIT FASTER!

For clients who qualify, our Options Express™ program rewards you progressively as your credit improves over time.
Regular credit counselling agencies merely move you into a debt management program, then, a few years later, cut you loose, after your debt has been completely erased. Not at Debt Options Canada – debt consolidation Canada.
We’ve set up a special program that lets you get back to normal faster. In addition to setting up a debt management program, we provide ongoing contact and, as you progressively pay off debt, help you pre-qualify for the things you need.
That includes car loans at reasonable rates, secured credit cards, and other essentials that you can’t get in a regular debt management program.
Basically, we get your life back to normal faster than ordinary credit counselors. And isn’t that what it’s really about?
Learn how you can qualify for our Options Express™ program. Call us and talk to one of our credit professionals now.

Credit Counselling Canada

Credit Counselling Canada

Beyond the Debt Horizon
People face debt with the assumption that it’s the “end of the road.” The truth is, millions of North Canadians face overwhelming debt problems. Personal debt has reached record highs, and when life takes an unexpected turn, people often need help.
You can find a lot of agencies willing to deal with your debt problems. But few help you see past the debt horizon. By setting up a debt management program and sticking you on auto-pilot, these agencies fail to give you the recognition and the rewards you deserve as you progress beyond debt.
Debt Options Canada understands that financial condition improves over time, from the moment you undertake a program with us—and we want to use that fact to get you out of debt, and get your good credit back sooner.

That’s why we offer special programs that allow you to acquire the assets you need—a car, a home, tools, you name it… sooner.
Let Debt Options Canada show you how our ongoing support and progressive credit rehabilitation programs can get you looking beyond the debt horizon almost instantly. Contact us today for a confidential, free consultation.

TESTIMONIALS:

Sara…. British Columbia
I just wanted to thank you for your time, counsel, support and gracious services. I really felt your care and this is rare in our “hustle bustle”, “modern” and “impersonal” culture.

Simon… Ontario
This is the first time in years that I feel in control of my life…Norm at your office has gone above and beyond…..I can never thank him enough
Leonard….Ontario
….I should have done this years ago! I can actually sleep at night now-thank you
Page….Alberta
I really didn’t realize how bad it was until you laid it all out for me. I understand what needs to be done now. It is certainly not going to be easy but I know with you guys in my corner anything is possible. Your help, guidance and understanding means a lot to me thank you
Stuart….British Columbia
I’ve got “freedom day” circled on my calendar. That’s when my debts are paid and I can start living again. Thanks for your unbelievable service-it’s a lifesaver

Credit Counselling Canada

Credit Counselling Alberta

Credit Counselling Alberta

Consumer Proposal – Alternative to Bankruptcy
A consumer proposal is an alternative to bankruptcy and a way to negotiate a debt settlement with your creditors. It is an offer made by a debtor to either defer and/or compromise amounts owed to his or her unsecured creditors.
For example, you could propose that you will pay a reduced amount each month, but over a longer payment period. Or you could propose that your creditors be paid only a percentage of what you owe them through a consumer proposal. Depending on the circumstances, this percentage could be as low as 20% to 30% of the total debt outstanding. A proposal can also consist of a single lump sum compromise payment to be made either by a third party contributor (e.g. family member or friend) or from the liquidation of an existing asset.

What are the benefits of a consumer proposal?
The benefits of filing a consumer proposal include the following:
A consumer proposal allows you restructure and/or reduce your financial obligations and also avoid bankruptcy at the same time.You only need the support of 50% plus $1.00 of the dollar value of unsecured voting creditors in order for the proposal to be accepted and binding on all your unsecured creditors.
It is an effective alternative to bankruptcy from the aspect of its effect on your credit rating: with a proposal your credit rating is not as adversely affected as in a bankruptcy.
Your unsecured creditors will no longer be able to take legal steps to recover their debts from you (such as seizing property or garnisheeing wages) unless the proposal is withdrawn, rejected or annulled.

Who can make a consumer proposal?
A consumer proposal can be made by any person who is insolvent and whose debts are less than $250,000 (excluding a home mortgage). If the debts are more than $250,000, the proposal must be made under Division I of Part III of the Bankruptcy and Insolvency Act.
It is possible to make a joint consumer proposal. Two or more consumer proposals may be joined where they could reasonably be dealt with together because of the financial relationship of the debtors (i.e. a large percentage of common creditors) and the total debts do not exceed $250,000.

Credit Counselling Alberta

Credit Counselling Toronto

Credit Counselling Toronto

DEBT OPTIONS CANADA GIVES YOU A UNIQUE OPPORTUNITY TO GET BETTER CREDIT FASTER!

For clients who qualify, our Options Express™ program rewards you progressively as your credit improves over time.
Regular credit counselling agencies merely move you into a debt management program, then, a few years later, cut you loose, after your debt has been completely erased. Not at Debt Options Canada – debt consolidation Canada.
We’ve set up a special program that lets you get back to normal faster. In addition to setting up a debt management program, we provide ongoing contact and, as you progressively pay off debt, help you pre-qualify for the things you need.
That includes car loans at reasonable rates, secured credit cards, and other essentials that you can’t get in a regular debt management program.
Basically, we get your life back to normal faster than ordinary credit counselors. And isn’t that what it’s really about?
Learn how you can qualify for our Options Express™ program. Call us and talk to one of our credit professionals now.

Credit Counselling Toronto

Credit Counselling Vancouver

Credit Counselling Vancouver

A FEW WORDS ABOUT US
Thank you for coming to Debt Options Canada home here on the web. Hopefully we can provide you some financial and emotional relief. You are no doubt “shopping” for a solution to your financial problem. You are doing exactly the right thing.
First of all be assured-you are not alone. Not even close. Really you’re not that special. Millions and millions of fellow honest hard working Canadians just like you are living every day with the burden of debt that was created by unfortunate circumstances or unmanageable interest rates. We should know- we speak with people in your situation every day.
Secondly , take a breath. Every financial “predicament” has a solution. If you have made up your mind up to really do something about it that is the most important thing at this point. There’s going to be some pain and sacrifice involved. There is no avoiding that. But if you are resolute in your desire to escape your present circumstances and are seeking honest, straight forward advice-and more importantly action you’ve come to the right place. Let us show you now specifically what we are built to do for you here at Debt Options Canada.

Credit Counselling Vancouver

debt consolidation calgary

debt consolidation calgary

Consumer Proposal – Alternative to Bankruptcy
A consumer proposal is an alternative to bankruptcy and a way to negotiate a debt settlement with your creditors. It is an offer made by a debtor to either defer and/or compromise amounts owed to his or her unsecured creditors.
For example, you could propose that you will pay a reduced amount each month, but over a longer payment period. Or you could propose that your creditors be paid only a percentage of what you owe them through a consumer proposal. Depending on the circumstances, this percentage could be as low as 20% to 30% of the total debt outstanding. A proposal can also consist of a single lump sum compromise payment to be made either by a third party contributor (e.g. family member or friend) or from the liquidation of an existing asset.

What are the benefits of a consumer proposal?
The benefits of filing a consumer proposal include the following:
A consumer proposal allows you restructure and/or reduce your financial obligations and also avoid bankruptcy at the same time.You only need the support of 50% plus $1.00 of the dollar value of unsecured voting creditors in order for the proposal to be accepted and binding on all your unsecured creditors.
It is an effective alternative to bankruptcy from the aspect of its effect on your credit rating: with a proposal your credit rating is not as adversely affected as in a bankruptcy.
Your unsecured creditors will no longer be able to take legal steps to recover their debts from you (such as seizing property or garnisheeing wages) unless the proposal is withdrawn, rejected or annulled.

Who can make a consumer proposal?
A consumer proposal can be made by any person who is insolvent and whose debts are less than $250,000 (excluding a home mortgage). If the debts are more than $250,000, the proposal must be made under Division I of Part III of the Bankruptcy and Insolvency Act.
It is possible to make a joint consumer proposal. Two or more consumer proposals may be joined where they could reasonably be dealt with together because of the financial relationship of the debtors (i.e. a large percentage of common creditors) and the total debts do not exceed $250,000.

debt consolidation calgary

dept options canada

dept options canada

HOW CAN WE HELP YOU?
Skilled staff and 25 years experience put to work for our Clients. We have the most skilled and experienced Credit Advisors in the Canadian industry. Options Credit brings innovation to a Credit Counselling Industry badly in need of a new approach. Options Express features the industry’s first individually written blueprint for a Client that guides them on their journey from out of control indebtedness to credit worthiness. We work within a Client’s cash flow and Creditor’s rules to eliminate debt. We do the work up, the critical budgeting and cost cutting, credit card balance transfers, loan consolidations, lump sum payments, debt consolidating, interest and penalty forgiveness—all planned and executed in person or remotely via the telephone or internet. Client support services are the biggest part of every file that we undertake. Our Client’s aren’t statistics, numbers or credit problems. They aren’t “credit criminals” but ordinary, working middle class Canadians that have had negative life event triggers. Options Express Clients receive more than just a written plan and pathway back to the mainstream. Our greatest gift is the hope we give. Our biggest reward is a lifelong loyal customer.

Debt Options Canada
#26, 240 Midpark Way S.E.
Calgary, Alberta T2X 1N4 Canada
Toll Free 1-888-314-0000
Fax: 403-974-3299
Email: info@DebtOptionsCanada.com