Are You $10k Or More In Debt?
If so, you may be eligible to reduce your monthly payments. There are various programs available for Canadian residents that help manage or reduce debt, without requiring bankruptcy.
Please fill out the form to get started.
You May Qualify To
Reduce Repayments
Reduce monthly repayments to an affordable level
Consolidate Payments
Make one monthly payment for all of your debts
Freeze Interest
Save thousands in interest and charges on your debt
Avoid Bankruptcy
Bankruptcy should only be a last resort - learn your options
Your Options
Consolidation Loan
A consolidation loan, also known as "debt consolidation", is where you managing multiple debts, and it can be an effective way to simplify your finances by combining all your debts into one loan with a single monthly payment. The advantage to this option is that it will not affect your credit rating, however it does require good credit.
Consumer Proposal
This is a formal and legally binding arrangement that allows you to settle your debts for less than the full amount owed, while avoiding bankruptcy. Only a Licensed Insolvency Trustee can administer a consumer proposal.
Debt Settlement
As in a consumer proposal, debt settlement can help reduce your monthly payments as well as the principle on what you owe. However, since it is not legally binding, your creditors are not obligated to accept the proposed settlement agreement.
Credit Counselling
Credit counseling is another option for managing debt, and it can be a good fit for individuals who want to simplify their payments and reduce interest rates, but it does not typically allow for reducing the principal balance
Budgeting
An achievable budget is an essential tool to leading a debt free life. If you feel as though you are starting to fall behind with your finances or want to find effective ways to manage your money, we can help.
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