1. Credit Counselling Services of Atlantic Canada, Inc. Support. Educate. Empower.

2. Our Services Our Accredited Credit Counsellors offer: Face to face credit counselling Telephone credit counselling Debt Management Program Our Education Department offers: Presentations/Workshop/Lunch n Learns Education materials Scholarship for Atlantic Canadian students Our Web-site offers: On-line chat Interactive on-line calculators Newsletter Twitter (@SolveYourDebts)

3. What we see A snapshot of who seeks credit counselling (55+): 15% are aged 55-65 7% are 65+ Average 6 creditors The Leading Cause of Financial Problems Lack of money management and budgeting skills

4. Financial Abuse “Financial abuse includes all forms of manipulation or exploitation of someone else’s money” Government of Canada

5. Frauds and Scams On the phone On-line In person With service providers

6. How to Protect Keep your ID up-to-date Keep documents in a secure place Choose someone you trust and know well to help you with your finances Keep documents on who you lend money to

7. What to do Call the police Talk to someone you trust Keep notes on the situation Seek support Act

8. Questions? www.solveyourdebts.com 1-888-753-2227