Debt Consolidation in Canada

How does our debt consolidation program work?

Our clients are usually in positions that don’t allow them to obtain debt consolidation loans. As debt consolidation experts we know this can be very frustrating for individuals that want to pay off their debt but can’t because no one will lend them money. Sound familiar? Credit counselling works because there is no loan issued to you meaning that your credit bureau isn’t taken into consideration. We can consolidate all of your unsecured debt into one monthly payment and have you debt free within five years.

What qualifies for our programs?

Any unsecured debt qualifies for our program. An unsecured debt is an account that doesn’t have any collateral attached to it. Usually these are accounts such as credit cards, lines of credit, and personal loans. With that said there are a variety of other debts that qualify as well. Payday loans, department store cards, and overdraft accounts are some other accounts too. Don’t forget collection accounts. Debt Consolidation experts can manage any account in collections giving you freedom from those nasty collection calls.

Tired of paying high interest rates?

Debt Consolidators can often eliminate those high interest rates charged by various financial institutions. Generally speaking creditors won’t charge you any interest while you’re paying your accounts back. However, with that said, there are still a few creditors that will charge minimal amounts of interest.

Do I have to make all the payments myself?

No, you make one single monthly payment and that payment is distributed out to your creditors. It’s that simple. There’s no need for you to try and manage all those accounts. With one simple monthly payment you can be debt free within five years.

I have payday loans. Do they Qualify?

Absolutely, Payday loans are regular loans just as any other debt. You are absolutely allowed to enter them into a debt management program and have them paid through us. Often times payday loans organizations don't like you going through credit counselling because they lose the interest on your accounts but they are certainly not exempt from credit counselling.

What do I do now?

All you need to do to get started is fill in the quick contact form and have a counsellor contact you within 24 hours.