Q: How does my unsettled debts affect my credit score?

A: When you have unsettled debts your credit score does go down. It is difficult to predict how it may fluctuate depending on the condition of your debt. OCCA’s program is an informal proposal and does not appear on your credit score.

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What does OCCA do?

What is the difference between OCCA and a Not For Profit?

What is the difference between OCCA and Bankruptcy or a Consumer Proposal?

What is the difference between OCCA and consolidation loan?

Does OCCA deal with Pay Day Lender debts?

Are you a Canadian company?

How long have you been in business?

How many people are on your program?

What services does OCCA offer?

Do I need to include all of my debts on the program?

I have collection agencies calling me daily. Can OCCA stop the harassing telephone calls?

How does my unsettled debts affect my credit score?

Can a creditor take my home because I owe them money?

My creditors say they will just garnish my wages. Can they do this?

Can I still use Credit Cards that are included in my program with OCCA?

How long will it take before my debt has been settled?

My Creditor Says they "Don't recognize OCCA" or that I had to "Use a Not For Profit company" they have approved. Is this true?

What is a Fixed Expense?

What is a Variable Expense?

Will the OCCA program affect my mortgage?

How do I deal with my debts while going through a divorce?

How did you get my number?