Cut Your Debt up to 70%

Smashing debt is our job

  • Repay approximately 30% of your unsecured debt
  • Avoid bankruptcy
  • Retain your personal assets including your home and vehicle
  • Stop any legal collection activity against you including a wage garnishment
  • Up to 5 years to pay your debt

The Debt Reduction option (also known as a Consumer Proposal Plan) is the next step if you are not able to afford to repay 100% of your debt through the Debt Management Plan. Debt Reduction is a better option than Bankruptcy as you do not have to submit a monthly budget and your payment will be fixed for a term of 3 to 5 years. Your Credit Rating is not affected as low as a Bankruptcy and will be a lower payment than what you are currently paying monthly. This option is administered by a Bankruptcy Trustee in your province.

Real Life Debt Reduction Example – Consumer Credit Counselling Clients:


Bearded man gives us his testimonial “This has helped tremendously. I’m starting to get my life back on track and it is all because of the help you’ve given me! I really appreciate all that you’ve done for me.”
Consumer Credit Counselling
*Anonymous, Fredericton, NB

Real Savings

  • Amount of Debt
  • Prior Monthly Payment
  • Time to Pay Off Debt
  • New Monthly Payment
  • Time to Pay Off Debt
  • Total Savings on the Debt Reduction Plan

We will go through a Budget in detail with you to assess your situation to see if this plan works for you over the Debt Management Plan. If this option is not affordable, we can refer you onto the next step directly with a Bankruptcy Trustee in your province. We will always find a solution for you.

Contact us today for a FREE Consultation or click HERE to fill in our online Budget Worksheet and to see if you qualify.

Curious About Fees?

We provide a simple and easy to understand fee structure that is automatically included in your monthly payment. There is nothing for you to worry about – it is all automatically calculated and included. Learn more about our fees here.

*While testimonials are from our clients, we respect their privacy. Some of the pictures depicted may not be the actual client giving the recommendation.