A debt free financial life requires you to pay off your credit card debt. It’s a dream for everyone. Not only in Canada, but in all parts of the world. You feel good when you know you don’t owe anyone money. Yet this is a difficult position to attain in today’s challenging life. In fact,…
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Today you can get a 5-year fixed-rate mortgage for under 3 percent and a secured line of credit for as little as 3 percent, so why are credit card interest rates still so outrageous? With a typical interest rate of 18 percent, credit cards are one of the most expensive forms of debt next to…
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Do you understand the credit card agreement you’re getting into before you sign up? A lot of people see their credit cards as a license to spend. However, a credit card comes with a lot of responsibility. You should strive to always pay off your balance in full and never incur interest charges. You can…
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November is Financial Literacy Month in Canada. This year is the 10th anniversary of this initiative. Various non-profit organizations and community groups partner with the Financial Consumer Agency of Canada (FCAC). In this effort, they all encourage Canadians to improve their financial well-being. Throughout the month, there are national events to educate the public about…
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Most people don’t think they’ll ever have to file for bankruptcy. That is until they’ve become so deep in debt that it’s virtually the only thing they can think of to address their money issues. The country is experiencing lower numbers of bankruptcies and insolvencies this year, and we’re curious to know why. Fortunately, Debt.ca…
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Have you ever been at a barbecue and heard the great mortgage rate your neighbours got and wondered why you don’t qualify for the same great rate? There are several factors that affect how lenders price mortgage rates. Of course, it’s different for everyone. In this article, we’ll look at each of the factors that…
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Do you know what to look for in a credit counselling agency? Do you struggle in planning a realistic budget, handling your finances, or paying off your debts? If your answer is yes, then it’s time that you look for help. Working with a credit counselling agency helps when it comes to important financial matters….
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Ever ask yourself “Can I Change My Student Loan Repayment Plan?” If you’re having difficulty paying your student loan, there’s an option for you to change its repayment plan. You can also avail yourself of alternative payment plans for private student loans. Talk with your lender about it or read the loan agreement to figure…
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Have you thought about the debt management program’s pros and cons to getting out of debt? Many folks who have high-interest unsecured debt resort to enrolling in a debt management program (DMP) to solve their financial problems. This option can help reduce the interest rates on your debts and lower the amount you’re paying every…
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Considering debt settlement negotiations can be stressful. Debt is indeed a serious obligation that affects your finances and life in general. But just imagine getting burdened with multiple debts that you already have a hard time paying back. For sure, that’s a difficult situation that you want to escape as soon as possible. Folks who…
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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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