Jaime Johnson & Associates Inc.

Jaime Johnson & Associates Inc. We offer Personal Finance Consulting, Debt Consulting, Consumer Proposals, and Bankruptcy services. What can I expect during a free consultation?

Jaime Johnson & Associates Inc., was started in December 2020 with the goal of helping people of all ages take control of personal finances and get on a path to financial stability and security. The founder, Jaime Johnson, was born and raised in Saint John, attended UNBSJ to obtain a Business degree and later became a member of CAIRP - Canadian Association of Insolvency & Restructuring Professiona

ls. Jaime has 19 years experience dealing with individuals and small business experiencing difficult financial situations and helping them move forward by developing reasonable plans of action and teaching money management skills to gain confidence to manage personal finances. He understands the challenges and stress caused by financial problems and truly wants to help! We are pleased to offer a free consultation, no obligation - just some free advice on a path forward. We are conveniently located at 535 Westmorland Rd (Westmorland Place), on the public transit route, wheelchair accessible and plenty of free parking. Free consultations can be done in-person, by phone or by video. During a free consultation, we will gather some information regarding your assets, debt, income and expenses, what you wish to achieve, future goals, and challenges you face or will face. After assessing your current financial situation, we can help with budgeting, cash-flow management, day-to-day banking strategy, goal setting, and a plan for paying your debt within a reasonable amount of time. We will also help identify possible threats to your repayment plan and attempt to manage those threats accordingly and provide tips for acquiring and successfully managing credit and credit score and discuss realistic strategies to help prepare for retirement. After assessing your current financial situation, if it appears that you do not have the resources or sufficient income to repay your debt within a reasonable amount of time and/or creditors are threatening legal action, we will discuss the merits, pros and cons of a Consumer Proposal or Bankruptcy, specific to your situation. In these types of situations, our role is to provide you as much information as possible so that you can make an informed decision regarding how best to proceed. Whether you decide to proceed with a Consumer Proposal or Bankruptcy is entirely up to you.

Warning signs of financial struggles.As we enter the second half of 2024, many continue to struggle to make ends meet. I...
08/01/2024

Warning signs of financial struggles.

As we enter the second half of 2024, many continue to struggle to make ends meet. In a recent study done by TransUnion, 46% of the people surveyed say that at this point in the year, their household finances are worse than planned, and 58% are not financially optimistic when considering what’s to come in the next 12 months. These numbers have been steadily increasing over the last few years as people have been battling the effects inflation has had on their lives, from increased mortgage or rental payments, high interest payments on loans and lines of credit, increasing credit card debt and more.
Avoiding an in-depth look into your finances can be one of the first signs of financial trouble. However, they are many other common signs to look for that indicate difficulties could be looming.

1. Making bare minimum payments – When making only the bare minimum payments on your credit cards or line of credit, it will take substantially longer to pay down your debt. Because of high interest rates, a large portion of a minimum payment goes towards interest rather than the principal balance owed.
2. Spending more than you make – By spending more than you make, it’s possible that you’ll have to rely heavily on credit to get you from pay cheque to pay cheque, therefore accumulating more debt and get caught in a cycle that is hard to break.
3. Borrowing money from credit cards, lines of credit, etc., to pay monthly bills – If you are using a form of credit to pay your monthly bills, you could end up carrying a balance on your credit which can become unsustainable, difficult to repay, and as a result could potentially lower you credit score due to a high credit utilization.
4. You don’t have a sufficient emergency fund – By having a sufficient emergency fund, you give yourself a level of protection against unexpected expenses. Without an emergency fund, you leave yourself at risk to take on more debt if an emergency arises by having to rely on credit.
5. Financial stress is causing problems in your personal life – Any stress can affect you both mentally and physically. It has the ability to impact your sleep, energy levels, self esteem and more. Being under financial stress can cause issues in relationships and in surveys, financial stress is the main source of stress in a relationship.
6. Declining credit score – If you are continuously missing payments, relying on your credit card, or taking out loans to get by, you could see a noticeable drop in your credit score. This is because payment history accounts for 35% of your credit score and credit utilization accounts for 30% of your credit score.
7. Lack of financial goals – If you are struggling financially, setting or achieving financial goals could be set on the back burner while you try to focus on managing your day-to-day expenses and current debt.
8. Avoiding financial statements – If you are using credit to cover your day-to-day expenses, you may find it hard to open and have a look through your bank and credit card statements because of the fear that comes from what those balances could potentially be.
9. Inability to save for retirement or contribute to matching programs – With a lack of retirement savings, or inability to contribute to employee matching programs through your employer, it may suggest a lack of long-term financial planning which could result in working well into your retirement years, financial dependency, or reduced quality of life.

With early recognition of the warning signs of financial struggles, you can take corrective actions before your situation becomes unmanageable.

If you are showing signs of these financial struggles, you are not alone and getting help before they spiral out of control is the first step.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

Which debt do I prioritize if my focus is improving credit score?With available free access to your credit report, it’s ...
07/11/2024

Which debt do I prioritize if my focus is improving credit score?

With available free access to your credit report, it’s easy to keep track of where you stand financially. You can see everything from your previous and current accounts, the payment history on each account, credit inquiries, collections and public records. While having all that information at your fingertips is convenient, it is really only beneficial if you know how to utilize it to improve your financial situation. When looking at all the information provided, it may seem confusing what debts to prioritize if your focus is improving your credit score. The key is to prioritize the debts that have the most significant impact on your credit score.

1. Credit card debt – A major factor in your credit score is your utilization ratio – how much you owe versus credit limit. Carrying high credit card balances can negatively impact your credit score if you are over the target utilization rate. Aim to reduce your credit card balances to below 30% of your available credit limit.
2. Past due accounts – Any accounts that are past due should be addressed immediately. Payment history accounts for 35% of your credit score, so late payments can have a significant impact your credit score.
3. Accounts in collections – Having an account sent to collections will have a negative impact on your credit score. Collection agencies report the collection account to the credit bureaus, and it can stay on your report for up to seven years. If you have had a debt go to collections, and have paid it off in full or settled the debt, it will still appear on your credit report. However, once you have paid off or settled the debt, the debt can no longer be sold to other collection agencies and can no longer lower your score.
4. Age of existing credit – age of existing credit accounts for up to 15% of your total credit score and therefore, it is a great idea to maintain aged credit in good standing such as a credit card and strive to keep utilization below 30% of available limit.

Aside from focusing on the above debts, there are other simple tips that can help you improve your credit score.
- Ensure you are making your bill payments on time. As mentioned above, payment history accounts for 35% of your credit score.
- Avoid taking on new debt while working on paying down existing balances.
- Avoid new credit checks that can temporarily decrease your score.
- Regularly check your credit report for any errors or inaccuracies that could be harming your score.

If multiple debts are having a negative impact on your credit score, and you are having trouble deciding where to start to improve your credit score, there are options.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

The pros and cons of budgeting apps. There are some people who prefer to do things the old-fashioned way, from writing t...
06/26/2024

The pros and cons of budgeting apps.

There are some people who prefer to do things the old-fashioned way, from writing their grocery list on a piece of paper, to having a little book with everyone’s phone numbers written down. However, there are many who take advantage of every technological advancement that fits their lifestyle, from using notes on their phone to make a grocery list, storing all contact information in their phones, and more recently, taking advantage of apps that are intended to make everyday life easier. As people find themselves in a position to put together a financial plan, where to create a budget is a starting point. Again, some people may prefer the simple budgeting method, where they create a budget written out on paper, while others may prefer to find a budgeting app that helps them track their income, expenses, and savings all in one place, and able to have on hand at all times. As budgeting apps are becoming more popular, and as people are deciding what budgeting method is right for them, there are some pros and cons to take into consideration.

Pros:
- Convenience – Budgeting apps have the capabilities to automatically track your income and expenses by linking your bank accounts and credit cards. This saves you from having to remember every transaction to jot down later.
- Improved financial awareness – Because you are getting spending and saving updates in real time, you are constantly being reminded of the budget you are trying to stick within, and the goals you are trying to reach.
- Customizable – Many budgeting apps let you set multiple goals that you can update whenever needed. Seeing progress you are making towards those goals can also be a motivator to stay on track.
- Better budget management – To be able to better manage your budget and stay on track, you are able to set spending limits for different categories and receive alerts when you’re nearing your limit. If you’re financial situation happens to change, your budget can be easily adjusted.
- Automated Savings – Some budgeting apps that are connected to your bank account have the capabilities to set up automatic transfers to your savings account, or round-up savings (round up purchases to the nearest dollar and saving the difference).
- Educational resources – Many of the budgeting apps provide articles and tips to help you improve your financial knowledge. Some goes as far as having forums or communities for advice and shared experiences.
- Security – Reputable apps use encryption and secure connections to protect your financial data. Many have additional security measures such as two-factor authentication which help safeguard your personal information.

If a budgeting app seems like a budgeting method you would like to utilize, there are a few top-rated budgeting apps to consider such as Money Manager Expense & Budget, YNAB, EasyBudget, MyMoney and more. With a simple search in your app store, you can easily find these and many more. The reviews will give you insights into what people find works great, and some areas where the app may be lacking. It may take some time, and trial and error, but with a little hunting, you can find an app that works best for you.

Cons:
- Privacy concerns – While there are security features to ensure secure connections, some might be uncomfortable sharing financial information with third parties for marketing or other purposes. Although the apps use encryption, there is still always a risk of a data breach.
- Cost – While it might be free to download the app, you may only get a free trial, or some might charge a subscription fee for premium features.
- Learning curve – Many of the budgeting apps come with numerous features, some may be applicable while other’s may be of no use, but understanding all the features and effectively using the app may require some time and effort.
- Over reliance on technology – Taking advantage of using budgeting apps and avoiding managing your finances manually can cause issues if the app becomes unavailable, or the app experiences bugs, glitches, or connectivity issues that can disrupt your financial management.
- Limited customization – Depending on the budgeting app you have chose, you may find some of the apps do not offer the flexibility to fully customize your budget categories or financial goals.

Not all budgeting apps are suitable for every financial situation. While the apps can offer numerous benefits, they can also have obvious drawbacks. If you think you would like to transition from simple budgeting to a budgeting app, it’s important that you take the time to read the reviews, features, associated potential costs, and weigh the pros and cons to ensure it is right for you.

If debt has made budgeting a daunting task, there are options to tackle your debt.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

How small business can benefit from customers using cash.As Canadians continue to embrace technology and the convenience...
06/14/2024

How small business can benefit from customers using cash.

As Canadians continue to embrace technology and the convenience it brings to our every day lives, we may find ourselves using digital payment methods more frequently than cash. The use of cash has been declining due to reasons such as technological advancements, convenience, and changing consumer behaviour. Many prefer to stick to digital payment solutions, such as debit, credit, and mobile payments. It eliminates the needs for cash and can be used in-person and online. While embracing technology has many benefits, such as rewards from using certain cards, security and protection, etc., the opposite can be felt for small businesses who may benefit more from their customers using cash.

Small businesses can benefit from their customers using cash for many reasons:
1. Lower transactions fees – When customers use their debit or credit card, there are fees for every transaction that is charged by the banks and payment processors. The cost of the transaction to the business owner can vary. Interact can cost between $0.05 to $0.10 per transaction, while credit card transactions can cost between 2%-4% of the total transaction amount. These fees can add up, however if customers use cash, it can eliminate these fees, allowing businesses to retain more of their revenue.
2. Immediate access to funds – Cash payments provide immediate access to funds, which can be crucial for small businesses that rely on a steady flow of cash flow to manage the day-to-day operations. When customers pay with a credit card or debit card, the funds are typically not available to the business account until the next day.
3. Reduced risk of chargebacks – A chargeback occurs when customers dispute a transaction, and the credit card company can reverse the charge. This can be costly and time consuming for small businesses. Cash transactions do not have this risk, providing more security for the business owner.
4. Simpler accounting – Handling cash can simplify the accounting process for some small businesses. It is straightforward to track and manage cash payments without the need for reconciling multiple electronic transactions and does not require sophisticated accounting system or costly accounting program.
5. Security – With cyber-attacks and data breaches on the rise, cash transactions can reduce the risk, giving both the business owner and customer peace of mind knowing they will not be targeted.
6. Lower equipment costs – For the small businesses that operate on cash only, they do not need to invest or maintain payment processing equipment, such as card readers and POS systems which can be a significant expense.

While digital payments are the most popular among consumers, cash transactions can still provide benefits to not only the business owners, but to consumers as well. When using cash as a consumer, it is easier to stay within a budget, avoid interest and fees, and avoid accumulating debt.

If you have relied on digital payment methods, and found yourself to be in a cycle of debt proving difficult to break, there are options.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

The financial hardships of the sandwich generation. If you’re middle aged, raising your children while simultaneously ca...
06/05/2024

The financial hardships of the sandwich generation.

If you’re middle aged, raising your children while simultaneously caring for aging parents, you can consider yourself to be part of the sandwich generation. The sandwich generation typically consists of people in their thirties or forties who are responsible for the care of both their own children and aging parents, being “sandwiched” in the middle of the two generations. Being part of the sandwich generation can be challenging, taking a toll on your mental health, but can also be rewarding to know you’re able to support and help care for your whole family.

Aside from taking a toll on your mental health, being part of the sandwich generation can have a significant impact on your finances. When taking on the role of caregiver to an aging parent while raising your children, it’s important to consider the financial challenges ahead.
- Healthcare costs – Without adequate health insurance, you could be faced with covering medical bills, medications, treatments, etc., for your parent. This can be costly, especially if they have a chronic illness or require long-term care. If required, in-home care or assistance with daily activities can also be a significant expense.
- Housing costs – If your aging parent is planning to move into your home, you may need to modify your home to accommodate their needs which can be a costly expense. Others may choose to maintain separate households which can be financially straining if you are contributing to both households.
- Loss of income – If you become a full-time caregiver, you may need to reduce your working hours or possibly take a leave of absence. This can result in a significant loss of income.
- Retirement savings – The financial implications of supporting two separate generations can lead to a delay or reduction in contributions to your own retirement savings plan.
- Debt accumulation – If by chance you have little or no savings to count on to cover immediate expenses, you may have to rely on using credit cards, loans, lines of credit, etc., leading to increased debt and interest payments.

If you are part of the sandwich generation and have found yourself to be struggling with the challenges listed above, there are strategies to help mitigate the financial strain.
- Budget – When taking on any new financial obligation, having a budget to account for all expenses is essential. Track all caregiving and family-related expenses. Within your budget, ensure you are contributing to an emergency fund to help cover any unexpected one-time expenses you may be faced with. If the budget is strained, consider cutting back on non-essential expenses.
- Debt management – Prioritize reducing your debt load. There are two methods to consider helping you pay down your debt, the snowball method, which consists of paying you smallest debt off first while making minimum payments on the others, and there is the debt avalanche method which consists of paying off the largest, or highest interest rate debt as fast as possible while making the minimum payments on the others.
- Optimize insurance coverage – Ensure you have adequate insurance coverage for your aging parents or relative, as well as your family. Ensuring you have proper coverage can help protect the savings you have worked hard to build by helping with the costs associated with healthcare.
- Financial assistance & resources – Ensure you are taking advantage of any government programs that may help your situation. For information on provincial programs such as the Canada Housing Benefit, New Brunswick Low-Income Seniors Benefit, Prescription drug plan, and many more that may be applicable to your situation, visit http://www.socialsupportsnb.ca. In addition to provincial programs, the federal government offers programs to help provide financial support as well. The Canada Caregiver Benefit is non-refundable tax credit available to caregivers that provide the basic necessities of life such as shelter, food, clothing, etc. Information can be found at https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/canada-caregiver-amount.html. If your caregiving responsibilities require you to take a leave of absence from your job, you may qualify for the EI Caregiving Benefits. You could receive 55% of your earnings, up to a maximum of $668/week. More information on this benefit can be found at https://www.canada.ca/en/services/benefits/ei/caregiving.html.

By taking the time to understand the financial implications you may be faced with when taking on the caregiver role, you can better implement strategies to manage them and better navigate the challenges of being part of the sandwich generation while maintaining financial stability.

If debt is causing preventing you from taking on the caregiver role, or adding extra stress to your situation, there are options to help you tackle your debt.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

Is your mortgage coming up for renewal?Property owners are faced with renewing their mortgages typically every 5 years o...
05/29/2024

Is your mortgage coming up for renewal?

Property owners are faced with renewing their mortgages typically every 5 years or less, depending on the mortgage term. Due to the upward trend of interest rates over the last few years, many that are up for renewal in the near future can expect higher payments. There are options to deal with higher interest rates and payments upon renewal that can help keep the pressure off the monthly budget.

1. Address non-mortgage debt – Addressing non-mortgage debt before a mortgage renewal is important because it can have significant impact on your financial health. By tackling the debt prior to renewal, you will have an improved debt-to-income ratio which could lead to qualifying for better rates than you may receive with a high debt ratio. The biggest impact however is the reduced financial stress. Without having the pressure of debt payments on the budget, you have freed up cash flow, and now have the ability to handle higher monthly payments if you receive a higher interest rate than you previously had.

2. Extend remaining amortization – If you’re up for renewal and really feeling the financial pressure, there is an option to extend your remaining amortization, if you qualify. For example, if you are renewing for the first time after 5 years, and have 20 years left until your mortgage is paid in full and there was $200,000 remaining at the time of your renewal, with an interest rate of 6%, your payment would be $1,424.38 monthly. If that increase from your previous payment adds too much financial strain, you could extend the amortization back to 25 years which could lower your payment down to $1,279.62 monthly. In some cases, you might be able to extend the amortization for a longer period to lower your payments further. Although extending the amortization or life of your mortgage will reduce your on-going payment, it will add to the total interest expense over the life of your mortgage and therefore, this option should be a last resort.

3. Downsize – If at the time of renewal, your housing needs have changed, such as not needing all the space you currently have, downsizing might be an option that could help with the financial stress that increased interest rates, property tax, insurance, utilities and maintenance bring. You could potentially end up with a smaller mortgage, lower property tax, cheaper insurance, and cheaper utility bills which could free up money in the budget for other priorities. Although it may not work for some, if you are concerned about the lack of housing supply to downsize to a smaller home, does it make sense to sell and rent? You might be able to use the equity from your home to be clear of all debt and use the remainder for savings, investing or other financial goals.

4. Rent spare rooms – If you have a spare bedroom, consider renting out the room. Adding a whole separate rental space would impact property taxes and insurance, whereas a spare room to rent would require no up-front cost/investment, be able to share the price of utilities, and have lower maintenance costs than if you were maintaining a whole separate rental space. The funds received for renting out the room could be used to handle any mortgage payment increase that you may be faced with.

5. Adult kids at home - Because of today’s economy, more and more adult children are choosing to stay living at home as long as they can, with the intention of saving money to put towards a down payment on a home instead of paying high rent prices. To ensure you and your children both benefit from the arrangement, consider a hybrid arrangement where your children are paying you “rent”, but you take a portion to put towards household bills, and take the other portion and set aside in a designated account to help go towards their financial goals of moving out/purchasing a home. This could be especially helpful when it comes time to renew the mortgage and you are faced with the possibility of higher monthly payments.

6. Drop “accelerated” portion of bi-weekly/weekly payments – If you start out with a mortgage amortized over 25 years and make monthly mortgage payments, it will take 25 years to pay off the mortgage. However, many people will opt to pay their mortgage more frequently, typically matching their payroll frequency. For example, if a monthly mortgage payment is $1,000 and the mortgage holder is paid biweekly, they could opt for accelerated biweekly mortgage payments of $500 ($1000/2). Depending on interest rate, paying more frequently, especially in months with an extra or third biweekly pay, the mortgage holder could shave as much as 4 years off the life of a 25-year mortgage. By dropping the accelerated portion of the payment, this same mortgage holder would pay $461.54 biweekly ($1000 x 12months/26 pay periods) and you are providing more flexibility to your monthly budget, allowing you to handle an increase in your mortgage payments if your payment increases at the time of renewal.

Before renewal time, take the time to assess your overall financial situation. Mortgage renewals are an opportunity to reassess your financial goals and make the changes that align with your personal situation. The above options might not be possible for every individual situation but by being proactive and informed, you will find options that best fit your needs.

If other non-mortgage debt is the main issue preventing you from being able to comfortably handle the increased interest rates, there are options. Filing a Bankruptcy or Consumer Proposal does not mean you will lose your home and in many cases could be the difference that allows you to handle higher mortgage payments upon renewal simply by freeing up a portion of cash-flow once allocated to dealing with non-mortgage debt.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

The dangers of high interest loan agencies.When a financial emergency arises, are you prepared to handle it? For many, t...
05/09/2024

The dangers of high interest loan agencies.

When a financial emergency arises, are you prepared to handle it? For many, the answer is no. The rising prices of necessities and higher interest rates have made it more difficult for people to afford the basics, let alone prepare for unforeseen situations. If you have no funds to rely on, and possibly a lower credit score, it might be tempting to borrow from a high interest loan agency to help you in trying times, however, they come with significant risks and drawbacks that need to be considered.

1. High interest rates –High interest loan agencies can have rates that can be as high as 46.99%. That means borrowers end up paying a substantial amount in interest, making it challenging to repay the loan quickly. For example, when using the payment calculator on one of the many loan agency websites, when borrowing $5,000 with an interest rate of 34.99%, your payments would be $309.33 monthly for 42 months. At the end of the 42 months, you would have paid a total of $12,9991.86, meaning you would have paid $7,991.86 in interest, to borrow $5,000.00.
2. Increased debt burden – Due to the high interest rates associated with these types of loans, monthly payments can be challenging to manage, especially for individuals with limited income. If you accept a loan with a higher monthly payment, it could prevent you from getting ahead financially due to the lack of funds available to contribute to savings and paying down other debt.
3. Borrowing cycle – When borrowers are unable to get ahead due to large debt payments, possibly due to other high interest loans, credit cards, vehicles etc., they may find themselves trapped in a cycle of borrowing to be able to cover ongoing loan payments, leading to a vicious cycle of borrowing and increasing personal debt levels.
4. Risk of default – The combination of high interest and large loan amounts can increase the risk of default for the borrower. If the borrower is unable to keep up with the loan payments, they could potentially face penalties, additional fees, and damage to their credit score.
5. Limited flexibility – High interest loan agencies may offer less flexibility in terms of repayment options compared to traditional lenders. This can make it difficult for the borrower to adjust their payment schedule or seek alternative arrangements during financial difficulties.
6. Impact on credit score – As mentioned above, if the borrower defaults on payments, it will damage their credit score. This can result in making it harder to access affordable credit and financial products in the future and affecting long-term financial health.

High interest loan agencies may be able to provide access to credit for individuals with limited options, however, borrowers should carefully consider the risks associated with these loans and explore alternative options whenever possible. Its also important to read and understand the terms and conditions of the loan agreement before signing.

If you have found yourself in a position where you have had to take on high interest loans to help in a difficult situation, there are options.

If you are looking for advice, or a second opinion about your debt, it does not cost anything to talk about your options. Every financial situation is unique and viable options can differ from person to person. A conversation free of judgment is the first step to determine options for debt that make sense to you. For a free consultation, please call or text (506) 645-1814 or email [email protected]; or visit www.tackledebt.ca.

Address

535 Westmorland Road
Saint John, NB
E2J3T3

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+15066379989

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