Our Services

Being in debt can seem very overwhelming and stressful and can affect your daily life. 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 will work out the best option for you to get you out of debt as fast as possible with a low monthly payment.

How We Can Help

Consolidate Bills

A Debt Consolidation plan is an affordable way to get out of debt. We will assist you with setting up this plan and guide you to make choices that work for you.

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Stop Collection Calls

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

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Avoid Bankruptcy

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

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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. Thousands of Canadians have accumulated too much debt and are unable to make payments and don’t know what to do. You are simply fed up with all the interest you are paying and the stress associated with having debt. We can help!

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Your Options

Consolidation Loan

Your first step is to contact your bank to see if you qualify for a consolidation loan. If you have a good credit score the bank can help you consolidate your debt 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 repay 100% of your debt in under 5 years with your creditors reducing your interest to as low as 0% .

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Consumer Proposal/Debt Reduction Plan

Negotiate a reduction of your debt and have a fixed single monthly payment to repay generally around 30% of your debt balance.

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Bankruptcy

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

We Can Help

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 and if not we would be more than happy to discuss with you over the phone or via email. You can email us at info@debtfreecanada.ca or call us toll free at 1-800-565-4595.

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 info@debtfreecanada.ca or call us toll free at 1-800-565-4595.