Counselling sessions?

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hdef

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Counselling sessions?
« on: January 08, 2018, 10:09:29 PM »
I have a few questions regarding the mandatory sessions in a CP.
-What do they talk about?
-how long is it?
-Is it actually helpful, or just a requirement by law?

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fireguy233

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Re: Counselling sessions?
« Reply #1 on: January 09, 2018, 11:49:38 PM »
Mine were a joke. I went in to the session expecting a full out Gail Vaz Oxlade type intervention instead what I was given was a pamphlet about budgeting. it took about 15 mins was asked if I had any questions then I went home.

this was my experience for both sessions.......

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Wetcoaster

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Re: Counselling sessions?
« Reply #2 on: January 10, 2018, 07:46:52 PM »
Sounds like you had a bad counsellor.  Both of our 2 meetings lasted 1 hour.

We had to write every expense down ....food ,clothing...,gas ,leisure....etc  for the 6 weks between meetings and then they
went over where we should cut back etc.  It was pretty eye opening and helpful.

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LT

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Re: Counselling sessions?
« Reply #3 on: January 11, 2018, 01:26:37 PM »
My sessions were pretty much a joke too. The first session they gave me a pamphlet on budgeting and asked me how I was doing.  The second session was all of 10 minutes, asked if I had any questions.  In fact, I gave them advice.  Ha!

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Jennykk

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Re: Counselling sessions?
« Reply #4 on: January 11, 2018, 11:31:39 PM »
Mine was informative. Talked about budgeting and reading the credit report. It was okay.

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fireguy233

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Re: Counselling sessions?
« Reply #5 on: January 12, 2018, 07:35:34 PM »
Haha yeah my whole session with the Trustee and such was garbage. As were the "counselling" sessions

It was a money grab pure and simple. Once I had completed my proposal and they had been paid any calls I put in to ask questions were never returned.

I had a creditor that was still persuing me after the proposal was paid out - told there was nothing they could do and to file a lawsuit..... so I did and won.

Just felt like once they had the money they wanted nothing to do with me again -  oh well its done and over with now. onwards and upwards


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Wetcoaster

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Re: Counselling sessions?
« Reply #6 on: January 12, 2018, 07:39:05 PM »
I think Jennykk  and I both used 4Pillars which would be the reason why the counselling was different.

I still talk to 4Pillars all the time for advise and help.

We also got 1 year free at Equifax from them.

 We are a client for life with no more charges and I can call them anytime.
« Last Edit: January 12, 2018, 07:41:24 PM by Wetcoaster »

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Jennykk

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Re: Counselling sessions?
« Reply #7 on: January 13, 2018, 07:26:45 PM »
I think Jennykk  and I both used 4Pillars which would be the reason why the counselling was different.

I still talk to 4Pillars all the time for advise and help.

We also got 1 year free at Equifax from them.

 We are a client for life with no more charges and I can call them anytime.

Yes! I used 4P.
There were errors in my credit report. 4P prepared the letter and sent it to the bureau.

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Broken_wallet

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Re: Counselling sessions?
« Reply #8 on: January 19, 2018, 03:42:40 PM »
It really depends on who you use for it. I've had to file a bankruptcy in the past, and last year I filed a consumer proposal. My bankruptcy sessions were budget-oriented, about an hour each, and discussed how to keep within my budget without credit. I also had to provide budget slips every month. We also talked about re-establishing credit after discharge. This was direct with a trustee and they were alot more cutthroat about things.

Counselling sessions with my consumer proposal - the first one was pretty much all about budget, an hour or so long, we also reviewed how I was doing financially, discussed any financial strains I had and how I could fix them. The second session we looked at my credit report, checked in to see how I was doing financially, discussed my options for credit-building post-proposal, also tips & tricks to keep myself afloat and cut budget costs to keep from becoming insolvent again. All in all, very informative and thorough, I felt both sessions were very valuable.
Debt Free!

 

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