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Red Flags in Debt Consolidation Offers

Warning signs of bad debt consolidation offers in Alberta, from upfront fees and pressure tactics to title transfers, and how to protect yourself.

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Emergency Funds: The Key to Not Re-Borrowing

Why an emergency fund is the most important step after consolidating debt, how much to aim for, and how to build one alongside your mortgage payments.

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What to Do With Your Paid-Off Cards

Whether to close, keep or lower the limits on credit cards after consolidating debt, and how each choice affects your credit and your habits.