FACTS SHEETS & GUIDES Get out of debt strategy Getting Out of Debt – a Step by Step Guide Debt Management Options Pay Down Strategies – Snowballing and Debt Stacking discussed Losing your home! What to do? How we Help – Reduce Credit Card Debt How we Help – Consolidate your Debt Repayments How we Help – When you can’t meet your Loan Repayments Debt Relief - Where to Start Dealing with Debt Collectors – Your rights Avoid Bankruptcy – How we can help Creditors Financial Hardship Help Lines & Other Links Applying for Financial Hardship Statement of Financial Position Template Budgeting for Financial Freedom A Helpful Start to Budgeting 3 simple steps to putting together a budget Budget-Spreadsheet Tips for staying on top of your budget Tackle Stress by tracking your finances Insolvency Discussed What is a Debt Agreement Do I qualify for a Debt Agreement Important factors to consider – Debt Agreement Consequences Insolvency Options Compared (AFSA guide) Applying for Bankruptcy – What to expect (AFSA guide) Bankruptcy and Debt Agreements – How are different debts handle (AFSA guide) Credit Files How to Obtain a Free Credit History Credit File Explained Understanding your Credit Score Tips for Managing your Credit File Steps to Fix Bad Credit Ratings