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The Culture of Harassment and Credit Counselling

April 30, 2013

By D. P. Welbanks

The distance between unlicensed and licensed credit counsellors is far too short. The need is even greater to regulate activities that purport to counsel people. Counselling is a specialized term that implies a wide variety of benefits including trust being given to those who call themselves counsellors to act like counsellors. The following is an excerpt from Almost Empty www.chateaulanepublishing.com

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The Psychology of Debt and Debt Settlement Companies

April 23, 2013

By D. P. Welbanks

An article on Margaret Johnson’s blog rattled a few skeletons in my closet. It begins by resurrecting an old nemesis from my days as the Director of Debt Collection in British Columbia in the 1990s, namely Debt-Settlement Companies. A prudent consumer who might carry a burdensome load of debt would first ask the question, is this company licensed?

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