{"id":639,"date":"2016-11-11T08:41:53","date_gmt":"2016-11-11T13:41:53","guid":{"rendered":"http:\/\/creditcounsellingcanada.ca\/credit-counselling\/"},"modified":"2020-08-28T14:28:00","modified_gmt":"2020-08-28T18:28:00","slug":"conseil-en-credit","status":"publish","type":"page","link":"https:\/\/dev.creditcounsellingcanada.ca\/fr\/conseil-en-credit\/","title":{"rendered":"Conseil en cr\u00e9dit"},"content":{"rendered":"<p>[et_pb_section bb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbsection\u00a0\u00bb transparent_background=\u00a0\u00bboff\u00a0\u00bb allow_player_pause=\u00a0\u00bboff\u00a0\u00bb inner_shadow=\u00a0\u00bboff\u00a0\u00bb parallax=\u00a0\u00bboff\u00a0\u00bb parallax_method=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px\u00a0\u00bb padding_mobile=\u00a0\u00bbon\u00a0\u00bb make_fullwidth=\u00a0\u00bboff\u00a0\u00bb use_custom_width=\u00a0\u00bboff\u00a0\u00bb width_unit=\u00a0\u00bbon\u00a0\u00bb make_equal=\u00a0\u00bboff\u00a0\u00bb use_custom_gutter=\u00a0\u00bboff\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/dev.creditcounsellingcanada.ca\/wp-content\/uploads\/2016\/11\/How-Can-We-Help_Hero.jpg\u00a0\u00bb module_class=\u00a0\u00bbpage-title-image\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb0px|0px|0px|0px\u00a0\u00bb inner_width=\u00a0\u00bbauto\u00a0\u00bb inner_max_width=\u00a0\u00bb970px\u00a0\u00bb next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb][et_pb_row admin_label=\u00a0\u00bbrow\u00a0\u00bb make_fullwidth=\u00a0\u00bbon\u00a0\u00bb use_custom_width=\u00a0\u00bboff\u00a0\u00bb width_unit=\u00a0\u00bbon\u00a0\u00bb use_custom_gutter=\u00a0\u00bboff\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px\u00a0\u00bb padding_mobile=\u00a0\u00bbon\u00a0\u00bb allow_player_pause=\u00a0\u00bboff\u00a0\u00bb parallax=\u00a0\u00bboff\u00a0\u00bb parallax_method=\u00a0\u00bboff\u00a0\u00bb make_equal=\u00a0\u00bboff\u00a0\u00bb column_padding_mobile=\u00a0\u00bbon\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb module_class=\u00a0\u00bb et_pb_row_fullwidth et_pb_row_fullwidth et_pb_row_fullwidth et_pb_row_fullwidth et_pb_row_fullwidth et_pb_row_fullwidth\u00a0\u00bb width=\u00a0\u00bb89%\u00a0\u00bb width_tablet=\u00a0\u00bb80%\u00a0\u00bb width_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb max_width=\u00a0\u00bb89%\u00a0\u00bb max_width_tablet=\u00a0\u00bb80%\u00a0\u00bb max_width_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; 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header_6_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_6_text_shadow_blur_strength=\u00a0\u00bbheader_6_text_shadow_style,%91object Object%93&Prime; header_6_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb box_shadow_horizontal_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_tablet=\u00a0\u00bb0px\u00a0\u00bb z_index_tablet=\u00a0\u00bb500&Prime;]<\/p>\n<p>Votre s\u00e9ance de conseil en cr\u00e9dit comprendra&nbsp;:<\/p>\n<p><strong>Une \u00e9valuation financi\u00e8re&nbsp;:<\/strong> Un conseiller autoris\u00e9 en mati\u00e8re de cr\u00e9dit examinera votre situation en vous posant des questions au sujet de vos revenus, vos d\u00e9penses, vos dettes et vos buts futurs.<\/p>\n<p><strong>L\u2019exploration d\u2019options et de solutions :<\/strong> Souvent, votre conseiller peut cerner une approche simple \u00e0 laquelle vous n\u2019avez peut-\u00eatre pas pens\u00e9, ou une solution que vous pouvez vous-m\u00eame mettre en pratique. De plus, vous apprendrez le pour et le contre d\u2019options comme un pr\u00eat de consolidation de la dette, une proposition de r\u00e8glement, un programme de remboursement de dette, une proposition de consommateur ou la faillite.<\/p>\n<p><strong>Un plan de gestion des finances :<\/strong> Vos discussions avec votre conseiller vous donneront l\u2019occasion d\u2019\u00e9laborer un budget personnel et familial qui vous convient, \u00e0 vous et \u00e0 votre famille. Ce processus n\u00e9cessite du temps et de l\u2019effort, mais un plan complet et r\u00e9aliste de d\u00e9penses vous aidera \u00e0 atteindre vos buts financiers.<\/p>\n<p><strong> Des conseils pour la gestion des finances :<\/strong> Tous les renseignements partag\u00e9s lors d\u2019une s\u00e9ance de conseil en cr\u00e9dit demeureront confidentiels, et ne seront divulgu\u00e9s que sur permission \u00e9crite de votre part.Les conseillers s\u2019engagent \u00e0 aider les clients \u00e0 apprendre de nouvelles capacit\u00e9s d\u2019\u00e9tablissement d\u2019un budget, de meilleures habitudes et strat\u00e9gies de d\u00e9penses, et un usage plus sage du cr\u00e9dit. Les membres de Conseil en cr\u00e9dit du canada savent que l\u2019\u00e9ducation est la cl\u00e9 de l\u2019autonomie financi\u00e8re.<\/p>\n<p><strong>Des envois en consultation :<\/strong> Il est possible que vous n\u00e9cessitiez des services suppl\u00e9mentaires qui ne sont pas fournis dans le cadre du conseil en cr\u00e9dit. Les membres de Conseil en cr\u00e9dit du canada connaissent bien les communaut\u00e9s qu\u2019ils desservent, et peuvent recommander d\u2019autres services et professionnels comp\u00e9tents.<\/p>\n<p>[\/et_pb_text][et_pb_blurb admin_label=\u00a0\u00bbGrey Blurb Red Icon\u00a0\u00bb _builder_version=\u00a0\u00bb3.27.4&Prime; box_shadow_horizontal_image_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_image_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_image_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_image_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_horizontal_length=\u00a0\u00bbtext_shadow_style,%91object Object%93&Prime; text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_vertical_length=\u00a0\u00bbtext_shadow_style,%91object Object%93&Prime; text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_blur_strength=\u00a0\u00bbtext_shadow_style,%91object Object%93&Prime; text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_text_shadow_horizontal_length=\u00a0\u00bbheader_text_shadow_style,%91object Object%93&Prime; 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header_6_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_6_text_shadow_blur_strength=\u00a0\u00bbheader_6_text_shadow_style,%91object Object%93&Prime; header_6_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb box_shadow_horizontal_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_tablet=\u00a0\u00bb0px\u00a0\u00bb z_index_tablet=\u00a0\u00bb500&Prime;]<\/p>\n<p>Les membres de Conseil en cr\u00e9dit du canada offrent les services de fa\u00e7ons qui r\u00e9pondent le mieux aux besoins des march\u00e9s locaux qu\u2019ils desservent \u2013 en ayant recours \u00e0 une combinaison de rendez-vous en personne et par t\u00e9l\u00e9phone. Les conseillers en mati\u00e8re de cr\u00e9dit sont \u00e0 votre port\u00e9e partout au Canada. Si vous avez besoin de nous, <a href=\"https:\/\/dev.creditcounsellingcanada.ca\/fr\/trouver-un-conseiller\/\">trouvez un conseiller pr\u00e8s de chez vous<\/a>!<\/p>\n<blockquote style=\"display: none;\">\n<p style=\"text-align: left;\"><em> \u00ab La conseill\u00e8re en mati\u00e8re de cr\u00e9dit s\u2019est toujours montr\u00e9e respectueuse d\u00e8s le d\u00e9but. Elle a \u00e9cout\u00e9 mes pr\u00e9occupations et semblait comprendre ma situation. Elle m\u2019a aid\u00e9 \u00e0 faciliter quelque peu une situation difficile. \u00bb<\/em><\/p>\n<p style=\"text-align: right;\">Client de Conseil en cr\u00e9dit, conseil familial et services de soutien pour Guelph Wellington<\/p>\n<\/blockquote>\n<p>[\/et_pb_text][et_pb_blurb admin_label=\u00a0\u00bbGrey Blurb Red Icon\u00a0\u00bb _builder_version=\u00a0\u00bb3.27.4&Prime; box_shadow_horizontal_image_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_image_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_image_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_image_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_horizontal_length=\u00a0\u00bbtext_shadow_style,%91object Object%93&Prime; text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_vertical_length=\u00a0\u00bbtext_shadow_style,%91object Object%93&Prime; text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_blur_strength=\u00a0\u00bbtext_shadow_style,%91object Object%93&Prime; 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use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb%%151%%\u00a0\u00bb background_color=\u00a0\u00bb#f9f9f9&Prime; icon_placement=\u00a0\u00bbleft\u00a0\u00bb body_font=\u00a0\u00bbRoboto||||||||\u00a0\u00bb content_max_width=\u00a0\u00bb1100px\u00a0\u00bb custom_padding=\u00a0\u00bb27px|27px|27px|27px\u00a0\u00bb body_text_color=\u00a0\u00bb#777777&Prime; body_text_align=\u00a0\u00bbleft\u00a0\u00bb module_class=\u00a0\u00bbgray-blurb-red-icon\u00a0\u00bb saved_tabs=\u00a0\u00bball\u00a0\u00bb font_icon_tablet=\u00a0\u00bb%%151%%\u00a0\u00bb font_icon_phone=\u00a0\u00bb%%151%%\u00a0\u00bb]<\/p>\n<p>Les conseils en cr\u00e9dit sont offerts gratuitement ou \u00e0 faibles co\u00fbts, et personne ne se voit refuser les services pour cause de ne pas \u00eatre en mesure de payer.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>COMMENT NOUS AIDONS CONSEIL EN CR\u00c9DIT Le but des services \u00e0 but non lucratif de conseil en cr\u00e9dit est de vous pourvoir des outils n\u00e9cessaires pour bien g\u00e9rer vos finances. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"The goal of not-for-profit credit counselling services is to equip you with the tools necessary to successfully manage your finances. Whether you need help with debt management, budgeting or general financial education, a certified credit counsellor can help.\r\n\r\nYour credit counselling session will include:\r\n\r\n<strong>A Financial Assessment:<\/strong> A certified credit counsellor will review your situation by asking you questions about your income, your spending, money owed and future goals.\r\n\r\n<strong>Exploring Options & Solutions:<\/strong> Often your counsellor can identify a simple approach that you might have missed or a solution you can act on yourself. Otherwise, you will learn the pros and cons of options such as a debt consolidation loan, settlement proposal, debt repayment program, consumer proposal or bankruptcy.\r\n\r\n<strong>A Money Management Plan:<\/strong>\u00a0Working with your counsellor will give you the chance to develop a personal and household budget that works for you and your family. This process takes time and effort, but a comprehensive and realistic spending plan will help you reach your financial goals.\r\n\r\n<strong>Tips for Money Management:<\/strong> Counsellors are committed to helping clients develop new skills in budgeting, better spending habits and the wise use of credit. Credit Counselling Canada members know that education offers the key to financial independence.\r\n\r\n<strong>Referrals:<\/strong> You may require additional services that are not provided through credit counselling. Credit Counselling Canada members are familiar with the communities they serve and can make recommendations for other qualified services and professionals.\r\n\r\nExperienced credit counsellors are within your reach throughout Canada. If you need us, <a href=\"http:\/\/www.creditcounsellingcanada.ca\/index.php?page=find-a-counsellor-near-you\" target=\"_blank\">find a local counsellor<\/a>!\r\n<blockquote>\r\n<p style=\"text-align: left;\"><em>\u201cThe counsellor was always respectful and friendly right from the start. She listened to my concerns and seemed to understand my situation. She helped to make a difficult situation a little easier.\u201d<\/em><\/p>\r\n<\/blockquote>\r\n<p style=\"text-align: right;\">Credit Counselling Client, Family Counselling and Support Services for Guelph Wellington<\/p>","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-639","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conseil en cr\u00e9dit - Conseil en cr\u00e9dit du Canada, 2017<\/title>\n<meta name=\"description\" content=\"Le but des services \u00e0 but non lucratif de conseil en cr\u00e9dit est de vous pourvoir des outils n\u00e9cessaires pour bien g\u00e9rer vos finances.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conseil en cr\u00e9dit - Conseil en cr\u00e9dit du Canada, 2017\" \/>\n<meta property=\"og:description\" content=\"Le but des services \u00e0 but non lucratif de conseil en cr\u00e9dit est de vous pourvoir des outils n\u00e9cessaires pour bien g\u00e9rer vos finances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.creditcounsellingcanada.ca\/fr\/conseil-en-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Conseil en cr\u00e9dit du Canada, 2017\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-28T18:28:00+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"22 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit\\\/\",\"url\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit\\\/\",\"name\":\"Conseil en cr\u00e9dit - Conseil en cr\u00e9dit du Canada, 2017\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/#website\"},\"datePublished\":\"2016-11-11T13:41:53+00:00\",\"dateModified\":\"2020-08-28T18:28:00+00:00\",\"description\":\"Le but des services \u00e0 but non lucratif de conseil en cr\u00e9dit est de vous pourvoir des outils n\u00e9cessaires pour bien g\u00e9rer vos finances.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/conseil-en-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Conseil en cr\u00e9dit\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/dev.creditcounsellingcanada.ca\\\/fr\\\/\",\"name\":\"Conseil en cr\u00e9dit du Canada, 2017\",\"description\":\"Canada\u2019s Specialists in Debt Consolidation Alternatives &amp; 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