Should I consider getting a loan instead of credit counseling and/or a debt management program?

Many times getting more credit via a loan just sinks you deeper in debt and prolongs the agony and tough decisions. Credit counseling is free at AA Canada Credit Advisors and the session should only take about 45 minutes to an hour. It is much more frugal to take the little time for a credit counselor to review your finances and help determine the proper course for you. A loan, if you are able to qualify, will normally tie you down longer and add interest upon what you already owe.