Put Canada’s largest debt relief network to work for you

At Debt.ca, we understand that people often get deep in debt for many reasons they can’t control. You may face job loss, reduced income, medical expenses, or even the rising costs of raising a family. When faced with a mountain of consumer debt, it is easy to become overwhelmed and believe that you will never be able to pay off your creditors. High interest rates, late fees, and penalties all work against you in your goal to become debt-free.

That’s why we help people understand their full range of options for debt relief, so they can save the most money and time while getting out of debt. There’s a range of debt relief programs available. Finding the right one depends on a variety of factors, including how much you owe, your budget, credit score, your goals, and even the province or territory where you live.

We’re experts at helping people weigh all those factors to identify the best program. So, whether you need credit counselling, debt forgiveness, or discharge, we can connect you with a qualified team that can help you.

Canadian debt relief programs follow a principle of affordability. If you are struggling financially because of debt, by law you’re only required to repay what you can reasonably afford. Many Canadians don’t know that creditors are often willing to offer debt forgiveness once they reach an agreement with a debtor. So why struggle for decades trying to pay back a $15,000 principal debt plus penalties and interest, when you might be able to settle the debt for $6,000 or less?

Debt relief programs in Canada are designed for people with high credit card debt balances and other debts not secured by property or other collateral. Once a pro from Debt.ca matches you with the right program, we’ll connect you with a service provider. Providers in our network are licensed by the federal government and the provincial or territorial government where you reside. They will work with creditors to reach an agreement in your best interest, which allows you to save significant time and money as you become debt-free.

With the right debt solution, you could:

• Combine bills into one affordable monthly payment
• Reduce or eliminate interest and stop penalties
• Get out of debt in as little as 24 to 48 months
• Receive debt forgiveness on a portion of your balances
• Become debt-free without filing bankruptcy
• Start rebuilding your credit

Almost all debt relief programs in Canada help people protect their most important assets as they get out of debt. The goal is to pay off unsecured debts, which are debts that do not have collateral. Even with bankruptcy, most Licensed Insolvency Trustees will tell you that it’s rare for people to lose their assets.

Debt relief programs that help you avoid bankruptcy focus exclusively on unsecured debts, including:

• Credit card debt
• Personal loans
• Lines of credit
• Debt collections

Secured loans, which are any loans backed by collateral, are not eligible for these types of program. That includes:

• Mortgages
• HELOCs
• Auto loans

You can also include specialized types of unsecured debt in some relief programs, including:

• Student loans that are more than six years old
• CRA income tax debt

At Debt.ca, we understand what a mental and emotional burden it can be to face challenges with debt. We’re here to provide a listening ear for the challenges you’re facing, and to help you find practical solutions that will work. We’re here to ensure you’re informed of all your options, so you can choose the best option for you.

Debt.ca offers all the solutions you might need, all in one convenient place. Based on your situation, we connect you with the right qualified, accredited, and licensed service provider to assist you. Our debt relief network can connect you with lenders, credit counsellors, and Licensed Insolvency Trustees that have proven track records of helping people.

So, with Debt.ca, it’s not about driving you into the one solution we offer. It’s about helping you find the solution that allows you to get debt-free as quickly as possible.

Bankruptcy is not a situation that anyone wants to face. That’s why if you’re overwhelmed with debt, it’s crucial to explore every avenue that will help you avoid taking such serious action. The challenge is that you may not be familiar with all the options that could help you. Most people don’t learn about debt relief programs they might need until they’re already mired in debt.

That makes for a steep learning curve at a time when you need to take decisive action. That’s why you need support. We’re experts at matching people with the best debt relief service. So, no matter where you live, how much you owe, or what goals you have for your finances, we’ll connect you with the solution you need to become debt-free.

Through free consultations with providers in our network, you’ll learn if there are any options available that will help you avoid bankruptcy. You may be able to afford to repay what you owe with lower interest or get debt forgiveness on parts of your balances. Debt.ca’s team will be here every step of the way to help you explore and evaluate these paths.

It all starts with a quick, free consultation with a debt relief pro from Debt.ca. You can call us at 1 (844) 845-4219 to speak with someone now, or complete the form above to tell us a little about your situation and we’ll reach out to you.

The consultation is confidential, quick and easy. You’ll talk with a pro about your debts, budget, credit, and goals. They’ll review your options for relief and answer all questions you may have. Together, you’ll identify the best relief program for you, then they’ll connect you instantly with an accredited and licensed service provider. It’s that easy. So, what are you waiting for? You have nothing to lose but your debt!