{"id":1150,"date":"2021-12-15T16:09:31","date_gmt":"2021-12-15T21:09:31","guid":{"rendered":"https:\/\/acefsom.ca\/home\/"},"modified":"2025-06-20T13:13:04","modified_gmt":"2025-06-20T17:13:04","slug":"home","status":"publish","type":"page","link":"https:\/\/acefsom.ca\/en\/","title":{"rendered":"Home"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;section1-accueil&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F3F6FE&#8221; background_image=&#8221;https:\/\/acefsom.ca\/wp-content\/uploads\/\/2021\/12\/acef-soutien-accompagnement.svg&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;0px|0px|0px|0px|true|false&#8221; custom_margin_last_edited=&#8221;off|tablet&#8221; custom_padding=&#8221;23%|0px||0px|false|true&#8221; custom_padding_tablet=&#8221;6%|0px|0px|0px|false|true&#8221; custom_padding_phone=&#8221;8%||||false|true&#8221; background_last_edited=&#8221;on|tablet&#8221; background_enable_image_tablet=&#8221;off&#8221; background_position_tablet=&#8221;center_left&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|0px||0px|false|true&#8221; custom_margin_tablet=&#8221;|||||false&#8221; custom_margin_phone=&#8221;|||||false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px|5%|0px||false|false&#8221; custom_padding_tablet=&#8221;0%|5%|3%||false|false&#8221; custom_padding_phone=&#8221;0%|0%|5%||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_class=&#8221;titre1-accueil&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#5E86EB&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;60px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;||40px||false|false&#8221; custom_margin_tablet=&#8221;||20px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;|7%|0px|7%|false|true&#8221; custom_padding_tablet=&#8221;|7%|0px|7%|false|true&#8221; custom_padding_phone=&#8221;10px|10%|20px|10%|false|true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; animation_style=&#8221;fold&#8221; animation_duration=&#8221;700ms&#8221; animation_intensity_fold=&#8221;30%&#8221; header_font_size_tablet=&#8221;45px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;left&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Support, assistance and advice to improve your financial health<\/h1>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;titre1-accueil&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#5E86EB&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;60px&#8221; header_line_height=&#8221;1.1em&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;||||false|false&#8221; custom_margin_phone=&#8221;||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;|7%|6%|7%|false|true&#8221; custom_padding_tablet=&#8221;|7%|4%|7%|false|true&#8221; custom_padding_phone=&#8221;|10%|4%|10%|false|true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; animation_style=&#8221;fold&#8221; animation_duration=&#8221;800ms&#8221; animation_intensity_fold=&#8221;20%&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;1.3em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;45px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;left&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]Our Association coop\u00e9rative d\u2019\u00e9conomie familiale (ACEF) du Sud-Ouest de Montr\u00e9al provides assistance with budgeting and debt management, as well as advocates for consumer rights.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; disabled_on=&#8221;on|on|on&#8221; disabled=&#8221;on&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_cta title=&#8221;It&#8217;s tax time. It can pay off ! &#8221; button_text=&#8221;Clics&#8221; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#E85E0C&#8221; body_text_color=&#8221;#000000&#8243; use_background_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>When we have low incomes, it&#8217;s even more important to file our taxes because it allows you to receive money that is owed to you! In fact, you may be eligible for several tax credits and receive cash payments just by submitting your tax return. If the reason preventing you from filing is related to the cost of preparing it, fortunately, there are several volunteers and organizations that offer this service for free or at a low cost.<\/span><\/p>\n<p><strong>Download below our brochure of organizations offering tax clinics for low-income individuals!<\/strong><\/p>\n<p>[\/et_pb_cta][et_pb_button button_url=&#8221;https:\/\/acefsom.ca\/wp-content\/uploads\/2024\/03\/Depliant-Cliniques-impotV2.pdf&#8221; button_text=&#8221;Download our brochure &#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F3F6FE&#8221; background_image=&#8221;https:\/\/acefsom.ca\/wp-content\/uploads\/\/2022\/01\/acef-soutien-accompagnement-mobile.svg&#8221; 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_module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section qui sommes-nous&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|0px||0px|false|true&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; module_class=&#8221;flex&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;84%&#8221; 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custom_padding_phone=&#8221;|0%||0%|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;fold&#8221; animation_duration=&#8221;800ms&#8221; animation_intensity_fold=&#8221;20%&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;&#8221; header_3_font_size_phone=&#8221;35px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>About us<\/h3>\n<p>&nbsp;<\/p>\n<ul class=\"section2-accueil-ul\">\n<li>We\u2019re a not-for-profit organization.<\/li>\n<li>We\u2019re consumer rights advocates.<\/li>\n<li>We offer free or low-cost activities and consultations related to personal finances.<\/li>\n<li>We promote a critical analysis of the place and role of the citizen consumer in a consumer society.<\/li>\n<li>&#8211;\tOur top priority is to help you take control of your personal finances.<\/li>\n<\/ul>\n<p class=\"pd-left\"><strong>Our services are confidential and personalized. Our advice is neutral: we\u2019re not selling you a product.<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU3NiJ9fQ==@&#8221; button_text=&#8221;Learn all about our history&#8221; button_alignment=&#8221;left&#8221; button_alignment_tablet=&#8221;left&#8221; button_alignment_phone=&#8221;left&#8221; button_alignment_last_edited=&#8221;on|tablet&#8221; module_class=&#8221;align-center&#8221; _builder_version=&#8221;4.16&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#57DECF&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#57DECF&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_margin=&#8221;8%||||false|false&#8221; custom_margin_tablet=&#8221;|||0px|false|false&#8221; 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header_2_font_size_phone=&#8221;35px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Our approach<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;|||17.5%|false|false&#8221; custom_padding_tablet=&#8221;|||0%|false|false&#8221; custom_padding_phone=&#8221;|||0%|false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; animation_style=&#8221;fold&#8221; animation_duration=&#8221;800ms&#8221; animation_intensity_fold=&#8221;20%&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]We support you in developing sound budget management. Financial health is about more than just money. 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_builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#5E86EB&#8221; text_font_size=&#8221;25px&#8221; header_5_text_color=&#8221;#5E86EB&#8221; header_5_font_size=&#8221;27px&#8221; header_5_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;|||-12%|false|false&#8221; custom_margin_tablet=&#8221;|||0%|false|false&#8221; custom_margin_phone=&#8221;|||0%|false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;|15%|||false|false&#8221; custom_padding_tablet=&#8221;|0%|||false|false&#8221; custom_padding_phone=&#8221;|0%|||false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; header_5_font_size_tablet=&#8221;27px&#8221; header_5_font_size_phone=&#8221;20px&#8221; header_5_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h5>Forty-eight percent of all Canadians report experiencing insomnia due to financial worries.<br \/>\nFinancial well-being is one of the three pillars of good health. Money is the greatest source of stress for many Canadians\u2014more than work, personal health and relationships.<br \/>\n<\/h5>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#5E86EB&#8221; header_3_font=&#8221;||||||||&#8221; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;#5E86EB&#8221; header_3_font_size=&#8221;60px&#8221; header_4_text_color=&#8221;#000000&#8243; header_4_font_size=&#8221;27px&#8221; animation_style=&#8221;fold&#8221; animation_duration=&#8221;800ms&#8221; animation_intensity_fold=&#8221;20%&#8221; header_3_font_size_tablet=&#8221;45px&#8221; header_3_font_size_phone=&#8221;35px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;27px&#8221; header_4_font_size_phone=&#8221;25px&#8221; header_4_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Do you need help?<\/h3>\n<p>&nbsp;<\/p>\n<h4 style=\"text-align: center;\">Rest assured\u2014our process is easy!<\/h4>\n<p>&nbsp;<\/p>\n<p>When you contact us, our representative will listen to your judgment free and assess your situation. Together, you will identify the plan best suited to your needs. Whether you need help handling an unforeseen expense, getting out of debt, moving into an apartment or even undertaking a personal project, our door is always open. 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We offer training tailored to your needs on the topics of debt, budgeting and credit.<\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section NOS PARTENAIRES FR&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_module=&#8221;901&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;&#8221; 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