Individuals considering debt relief often ask “When does debt consolidation go wrong?” People who are burdened with multiple debts often resort to getting a debt consolidation loan to solve their financial struggles. This approach is believed to give you relief since you’ll merge your debts into a single manageable payment, and it can lower the…
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Asking “Is debt settlement right for me?” might not be the right question. There are some considerations to keep in mind when you seek debt relief. For anyone struggling to pay their credit card debt and bills, the stress can be overwhelming. In many cases, the debt continues to climb, despite making payments despite making…
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For people who have debt problems, one of the best debt solutions to escape such a predicament is to file a consumer proposal. In the first quarter of 2019, the number of consumer insolvency filings reached 32,000. Despite this high number of filings, there are still folks out there who don’t know about consumer proposals….
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Convenient access to pooled resources, higher savings, expense tracking, and successful budgeting have never been easier with joint bank accounts. In addition to these perks, a joint bank account earns more interest since it carries a higher average daily account balance, promoting healthier credit. However, for every advantage comes risk and complication. Before opening a…
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Online instalment loans are a highly popular loan option for people who need to borrow fast cash. It differs from other types of loans because the borrower has to repay what he or she owes in regularly scheduled instalments over a predetermined term. Each payment the borrower makes goes to repay a portion of the…
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When lowering credit utilization ratio, it’s key to improving credit. However, you should watch out the credit utilization on your credit card and line of credit because high credit utilization might drag down your credit score. Credit card interest rates also go up when you have a high credit utilization. Since credit utilization has a…
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In this article we’ll review what a childcare subsidy is and how it works. Figuring out how the child care subsidies work in your province isn’t always easy. The rules can be confusing and difficult to interpret. That’s why we’ve done our best to outline the child care subsidies available in some of the provinces throughout…
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Do you rely on payday loans? The Coronavirus pandemic has been tough for a lot of Canadians, especially the most vulnerable. If you don’t qualify for the Canada Emergency Response Benefit (CERB), you could find yourself relying on payday loans to survive. In this article we’ll look at what are payday loans. We’ll also look…
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The lowest debt consolidation rates in history may be available right now. Do you have multiple balances on credit cards or loans at high-interest rates? You could be saving yourself money and freeing up your cash flow by consolidating your debts. Consolidating your debts has never made more sense than it has right now at…
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The younger you are, the harder it can be to imagine what retirement is going to look like. For some, retirement age is 40 or more years away. The earlier you start retirement savings, the more likely you are to have a successful retirement. It can be filled with all the things you want to…
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Debt.ca provides information and tools to help Canadians get out of debt. Learn more about the debt relief options in Canada and find out which one is right for you.
Individual results will vary. Debt.ca does not assume or pay any debt, nor does it provide legal advice or offer credit repair services. If you require legal advice, you will need to consult with a licensed attorney. Individual results are highly dependent on successful completion of program and your ability to save money. Settlement estimates of 40 - 60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results will vary based on individual circumstances. Please read and understand all contract terms prior to your enrollment. All testimonials, program descriptions and BBB Accreditation's are related to or provided by our third party affiliates. Names and pictures associated with client testimonials are not real in order to protect the privacy of all clients. Information from third parties is not verified or guaranteed by Debt.ca.
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