FREE support from a professional debt specialist
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Last year, more than 120,000 Canadians benefited from government debt programs and avoided bankruptcy. So can you!
Let us fight for you and help you get out of debt:
- No more borrowing from friends and family- Stop the stress of bills you can't pay
- Don't wonder how you're going to buy groceries
- Stop getting payday loans and paying their high interest.
- No more living paycheck-to-paycheck
DEBT INSIDERS
Expert Advice & Relief Solutions in Canada
How we help
Free Counselling
Connect with our expert debt advisors for a FREE consultation to understand your debt situation and what's important to you. We’ll provide straightforward recommendations on how to get out of debt and take control of your finances.
Ready to start? Schedule a free consultation now!Debt Advocacy
Once you've chosen a solution, we connect you to our network of trusted partners across Canada. We'll continue to guide you through the process, ensuring you have support at every step.
Feeling alone? We can help you get out of debt!Credit Score Report
We provide access to your credit score and a detailed walk-through of your report, helping you understand what it means and how to improve it.
Want clarity on your credit score? Get credit help now!Credit Rebuilding
After finding the right debt solution, we help you develop a plan to rebuild your credit, providing tailored strategies to strengthen your financial profile over time.
Ready to rebuild your credit? Let us help!Debt Repayment Calculator
This debt repayment calculator will help you estimate the total cost of repaying your debt, including how much extra you'll pay in interest and how long it will take to become debt-free.
Extra Payment: _____
Time to Pay Off: _____
Adjust the sliders to see your debt repayment plan and recommendations.
This tool helps plan your finances, enabling you to understand the impact of your repayment status and explore adjustments to reduce your overall debt. This calculator is meant for awareness, and it's always important to talk to a debt expert to discuss your specific situation and what's important to you.
Financial Planning
You are creating a detailed plan to manage your finances, including budgeting, setting financial goals, and saving for future needs. It's about gaining control over your money, making informed decisions, and reducing the likelihood of new debt.
Find out more about Financial PlanningDebt Management Plan
Pay off your debt through consolidated payments and sometimes lower interest rates. In a Debt Management Plan (DMP), a credit counselor works with creditors to negotiate terms that make your debt more manageable, resulting in a single monthly payment.
Find out more about Debt ManagementDebt Consolidation
Combine multiple debts, such as credit card balances and personal loans, into a single loan with a lower interest rate. This can simplify your payment process and reduce the total interest charges over time, making it easier to pay down your debt.
Find out more about Debt ConsolidationDebt Settlement
Negotiate with your creditors to reduce the amount you owe in exchange for a reduced lump-sum payment. Creditors are willing to write off the debt because they receive immediate payment. Typically, these negotiations are handled by debt settlement companies.
Find out more about Debt SettlementConsumer Proposal
A consumer proposal is a legally binding agreement between you and your creditors to repay a portion of your debt over an extended period. Administered by an LIT, the proposal will outline a fixed monthly payment plan you can afford.
Find out more about Consumer ProposalsBankruptcy
Personal bankruptcy is a legal process that relieves individuals who cannot repay their debts. It involves erasing most of your unsecured debts and giving you a fresh financial start, but it also has a long-term impact on your credit rating.
Find out more about Bankruptcy
