Debt Consolidation Options - Debt Management & Debt Reduction Plans

Consumer Credit Counselling is dedicated in helping you become debt free by consolidating and reducing your unsecured debt, no matter how large or small that you owe. See which consolidation option is the right fit for you with the Debt Management Plan or a Debt Reduction Plan.

  • We’re committed to helping you manage your debts more effectively
  • We are here to ensure you eliminate your debts faster than you ever thought possible
  • For any and all questions, call us toll free at 1-800-565-4595 or email . You may also fill in our online Budget Worksheet and a licensed Credit Counsellor will contact you within 24 hours with options

Repay 100% of Your Debt

With the Debt Management Consolidation Plan you will repay 100% of your Unsecured Debt in less than 5 years with your Creditors reducing or eliminating your interest to 0%. All you are required to do is to make one low monthly payment to us and we will disburse this payment to your Creditors each month until your debt is paid off in full and you will watch your balances drop each month.

Your total monthly payment will be less than the minimum payments you are paying now, freeing up extra cash in your account and helping you save more than ever before. If you have a lower credit score, it will help you rebuild your credit and you will become debt free as quickly as your budget allows.

We will go through a Budget in detail with you to see what option you qualify for and assess your situation for free to ensure your payments will be completely affordable for you to live comfortably. Contact us today for a FREE Consultation at 1-800-565-4595 or email or click HERE to fill in our online Budget Worksheet to see if you qualify.

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Repay 30% of Your Debt

Debt Reduction Plan (also known as a Consumer Proposal) will reduce your unsecured debt by up to 70% with one monthly payment required. This plan is the next option if it is not in your Budget to afford the monthly payment for the Debt Management Plan. This plan will help you avoid bankruptcy and retain your personal assets including your home and vehicle while reducing your debt balance.

This plan will stop any legal collection activity against you including a wage garnishment. You will have up to 5 years to settle your debt. Debt Reduction is better than Bankruptcy as you do not have to submit a monthly budget and your payment will be fixed. We will refer you to a Licensed Bankruptcy Trustee if this option works better for your situation.

We will go through a Budget in detail with you for free to assess your situation to see if this plan works for you over the Debt Management Plan. Contact us today for a FREE Consultation at 1-800-565-4595 or email .

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Real Life Examples from our Consumer Credit Counselling Clients


Real Savings*

  • Amount of Debt
  • Prior Monthly Payment
  • Prior Time to Pay Off Debt
  • NEW Monthly Payment
  • NEW Time to Pay Off Debt
  • *Savings on the Debt Management Plan

*Savings are approximate and dependent on each client’s individual financial situation

Helping Canadian Consumers Become Debt Free For Over 30 Years!