Frequently Asked Questions
Life can throw a financial curve-ball now and then. It's comforting to know that TD Canada Trust is here to help get your finances on track. While we may not be able to help everyone, we're truly doing our best to offer solutions to our customers that are right for them.
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Everyone's situation is unique. Some of the possible ways we can help are by offering a loan consolidation, interest rate decreases or allowing for additional missed payments without penalty. If you have any additional questions or financial concerns, please call us or come in to see how we can help.
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Here's a list of situations some of our customers have come to us for help with.
- I lost my job and am worried about making ends meet.
- My credit-card debt is out of control.
- I'm having trouble making my mortgage payments.
- I'm falling behind on my line of credit payments.
- I'm constantly in overdraft.
- A major unexpected expense has come up and I don't know how I'll be able to pay for it.
- We're having a new baby and we're not prepared for the expenses involved.
- I've had to cut back on my work to take care of an ailing family member and now my payments are suffering.
- I'm getting divorced and was not prepared for the expenses involved.
- My hours at work were cut and my income is down.
- I have experienced a medical crisis
That said, if you are dealing with any of these or your own unique situation, please call or come in to see us.
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Each customer request will be assessed on an individual basis taking into consideration your present financial situation and how we can assist you. Although we can't help everyone, we are certainly doing our best to help as many of our customers as we can. Please contact us and we'll try to figure everything out together.
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We will take into consideration any source of household income that you may have right now. And if you're self-employed, we can help you figure out your household income.
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We will certainly try to help our customers in every situation. We do understand that life changes can happen quickly and some payments may fall behind until a solution can be arranged. Call or come in and see us and we'll work together to try and find a solution.
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In order to ensure that the combined payment is easy for you to keep up, and that it frees-up some of your current cash flow, we usually recommend closing all of your TD credit products. We have many possible solutions. Please visit us as soon as possible to see what we can figure out.
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No it will not. As long as you have been discharged from bankruptcy we will review your request for a restructure.
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The TD Helps program is developed to help our customers experiencing financial hardship restructure their TD Canada Trust debt. It's just another way our employees are working to make their customers feel as comfortable as possible.
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Let's figure it out. Call or visit your local branch today!
