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  • Debt Consolidation Program

    A debt-free life is a stress-free life. Whatever your debt problem may be, our Credit Counsellors will work with you to find the best debt solution that provides you with hope and peace of mind.

    What is a Debt Consolidation Program?

    Debt consolidation is the process of combining two or more debts into one. The result is a single debt payment and lower total interest costs.

    A Simple Plan 

    A Debt Consolidation Program (DCP) takes care of your unsecured debt, which includes credit card debt, payday loans, unsecured lines of credit, and other unsecured loans. It’s a simple, straightforward solution with big, big benefits such as:  

    1. One lower monthly payment. 
    2. Stopped or dramatically reduced interest.
    3. No more collection calls.
    4. Secured credit card while on the Program.
    5. An unsecured credit card once you've completed the Program*.
    6. A qualified Credit Counsellor who negotiates with your creditors on your behalf.
    7. Simple, monthly fund transfers by telephone banking, debit card, or money order.
    8. Timely, automatic payments to creditors with full tracking.

    *Some conditions may apply

    How To Set Up For Success

    In addition to this simple, personalized plan, this type of program also includes having a friend on-hand to explore your beliefs about money and to teach you easy money management skills that can last a lifetime. You'll discover how to:

    1. Build a personal monthly budget and stick to it.
    2. Track and control spending.
    3. Set financial goals you can achieve.
    4. Learn how to make your money work for you.

    Advantages of a Debt Consolidation Program

    Look Forward to Brighter Days

    1. Lower monthly payments you can afford, and consolidated debt that can typically be paid within 36 to 48 months.
    2. Reduced interest on your debt, saving you money – often hundreds and even thousands of dollars over time.
    3. A simple monthly payment process managed by a qualified professional who sticks with you every step of the way.
    4. Avoid insolvency, including bankruptcy and consumer proposal, which can severely limit your financial future.

    Take command of your money through a positive attitude and powerful tools!

    Start Today!

    Debt Consolidation Program Benefits

    Am I Eligible for a Debt Consolidation Program?

    Debt help is available to anyone in Canada who is stressed about credit card bills, personal loans, payday loans, etc.

    Everyone is Welcome

    If your monthly debt payments – not counting mortgage or rent – are higher than 20 percent of your income, this is a sign that you could be in financial trouble. At Credit Canada Debt Solutions, we welcome anyone who needs advice on how to handle money and reduce or eliminate debt.

    Our clients come from all walks of life and you are eligible for help regardless of your income level or employment status. There’s no pressure or judgment and everything we do for you is confidential.

    Once we understand your situation, you can either enroll into a DCP, or we can help you through alternative measures that suit your finances, needs, hopes and dreams.

    It's Not Complicated

    Paying down debt through a DCP might be something that suits you. It’s not a complicated process because you’ve got a qualified credit counsellor handling all the details. Your debts are consolidated into one low monthly payment. And your counsellor works with your creditors to reduce or waive the interest.

    Meanwhile, a system is set up for convenient monthly payments that are fully secure and fully tracked. But these steps don’t tell the whole story about this debt solution. A Debt Consolidation Program offered through Credit Canada Debt Solutions also includes valuable financial advice and tools.

    You acquire new money management skills that can last a lifetime. You discover how to create a personal monthly budget to control and track spending. You set financial goals that you can reach. And you learn to view money positively and to make it work for you.

    What Will My Life Look Like On A Debt Consolidation Program?

    Hopes & Dreams Realized

    Credit counselling brings benefits that can affect your whole life. It can help you control your debt and teach you good money management skills – like how to budget, control spending, and reach goals. These would seem to be the most important benefits, but there are other things to consider – like long-term financial security for you and your loved ones, as well as your hopes and dreams in life.

    1. Dreams like owning your own home, having nice things, and travelling to exotic places can come true.
    2. Hopes to put your kids through school, and retire in comfort can be realized. 
    3. Worry, anger and grief about money can disappear.
    4. Living comfortably and realizing your dreams are the true benefits of credit counselling.

    It’s not just about crunching numbers. It’s about understanding why you treat money the way you do. It’s about becoming money wise and using financial tools that put you in control of your own destiny.

    Hopes and Dreams Realized After Debt Consolidation
    A better family life after Debt Consolidation

    Eliminating Debt Just Makes Life Better

    Solving debt troubles through a Debt Consolidation Program just makes life better. But you must have a real desire to improve your life through discipline. You will never be asked to pay more toward your debts than you can afford. But you have to stick to the program and make an honest effort to practice the money skills you learn through it.

    If you are dedicated, all kinds of good things can happen. Your stress about money disappears. You start spending wisely and save. You strengthen your spirit by setting and achieving goals. Above all, your outlook about money becomes positive and you feel strong facing life day to day.

    We’re not saying there won’t be any pain along the way. Clearing financial hurdles can take time. Getting rid of bad money habits takes work. But in the end it’s worth it. You come away on solid ground, ready to start building good credit and a future full of possibilities.

    Get a Free Debt Assessment

    A Free Debt Assessment is the FIRST step in the Debt Consolidation process. Simply fill out the form below and one of our credit counselling experts will contact you to begin discussing your personalized options.

    Free Debt Assessment