Being in debt can seem very scary and overwhelming, we understand and we are here to help. We work with you to understand all your options, get creditors off your back, and alleviate the stress associated with debt. As credit counsellors we work for you, not the banks. This means we work out the best option for you and to get you out of debt as fast as possible!

How We Can Help

Consolidate Bills

A debt consolidation plan is an affordable way to get out of debt. We can assist you with the paperwork and guide you to make choices that work for you. Learn more.

Stop Collection Calls

Know your rights and options to a fair settlement of your debts.

Avoid Bankruptcy

By taking steps now you can avoid having to declare bankruptcy and recover faster!

Are you struggling with too much debt?

We can help, learn more about our services and your options.

Believe it or not you do have options! You are also not alone, 1000’s of Canadians have accumulated too much debt and are unable to make payments, don’t know what to do, or are simply fed up with all the stress associated with having debt. We can help.

Your Options

Loan Consolidation

Your first step is to contact your bank to see if you qualify for a loan consolidation. If you have good credit the bank can help you consolidate your bills and work out one monthly payment to repay your debt in a certain term.

Debt Management Plans

Create a single monthly payment that will allow you to pay back 100% of your debt in under 5 years with creditors reducing your interest to 0% on average!
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Consumer Proposal/Debt Reduction Plan

Negotiate a reduction in your debt and create a fixed single payment to pay off generally 30-40% of your debt!
Learn More


This option may be available to you if all other options do not work for an affordable payment in you Budget. These costs vary per person and generally will be the lowest payment possible available to you depending on your income and assets.

Our Fees

Our fees are automatically included as a portion (typically roughly 15%) of your single monthly payment. (Please note this is not a yearly 15% interest charge and a monthly fee amount). Our fees are paid on a monthly basis throughout the duration of your debt management plan. If your monthly payment is $100, $15 will be our fee +GST/HST while roughly $85 will go towards paying your debt. Learn more about how our fees work.

Have Some Questions?

If you have some questions, you’re not alone. We have answered many of the most common questions on our FAQ Page. Head over there and see if we have answered your question, if not we would be more than happy to discuss with you over the phone or via email. You can email us at or call us toll free at 1-800-565-4595.