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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 relief solution that provides you with hope and peace of mind.

    What is a Debt Consolidation Program?

    A Debt Consolidation Program is a program where two or more debts are combined into one. The result is a single monthly debt payment and lower total interest costs, which can ultimately lead to faster debt relief.

    A Simple Debt Management Plan 

    A Debt Consolidation Program 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 for debt relief 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 based on the status of your debt management program

    How To Set Your Debt Management Plan Up For Success

    In addition to being a simple, personalized debt management plan, a Debt Consolidation Program with Credit Canada also includes having a friend on-hand to explore your beliefs about money and teach you easy money management skills that can last you 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 off within 24 to 48 months.
    2. Reduced or stopped 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 Your Debt Consolidation Program Today!

    Debt Consolidation Program Benefits

    Am I Eligible for a Debt Consolidation Program?

    Our debt management program is available to anyone in Canada who is stressed about credit card bills, personal loans, payday loans, etc. and is looking for debt relief.

    Our Debt Consolidation Program Could Be the Answer

    If your monthly debt payments – not counting your 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 best handle their money and reduce or eliminate debt to experience true debt relief.

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

    Once we understand your full financial situation, you can either enroll into a Debt Consolidation Program or we can help you explore alternative solutions, like securing a debt consolidation loan that will suit your unique financial situation, needs, hopes, and dreams. A debt consolidation loan is a money management tool that allows you to combine or consolidate your unsecured debt into a single loan from a single lender—helping you experience faster debt relief by gathering the combined sum of your unsecured debt into a single loan with a set interest rate.

    It's Not Complicated

    Paying down debt through a Debt Consolidation Program might be something that works for you. It’s not a complicated process because you’ve got a qualified Credit Counsellor handling all the details for you. Your debts are consolidated into one lower monthly payment, and your Counsellor works with your creditors to reduce or waive the interest on your debt.

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

    Need new money management skills? You’ll get them! Want to discover how to create a personal monthly budget to help you pay your bills and track your spending? You got it! Looking to set financial goals you can reach? We’ll get you there! 

    Ready to reduce or eliminate debt? Start your journey towards debt relief today! Our Credit Counsellors will give you everything you need to set yourself up for a bright financial future.

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

    Hopes & Dreams Realized

    The credit counselling you get through our Debt Consolidation Program brings benefits that can impact 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. While these might seem like the most important benefits, there are other things to consider too – like achieving long-term financial security for you and your loved ones, as well as accomplishing your hopes and dreams in life.

    1. Dreams like owning your own home, having nice things, and travelling to unexpected 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 our Debt Consolidation Program.

    A debt management plan is not just about crunching numbers. It’s about understanding why you treat money the way you do. It’s about becoming money-wise, working on your financial wellness and using financial tools that can 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

    Experiencing debt relief through a Debt Consolidation Program just makes life easier, more peaceful, and overall, much better. But you must have a real desire to improve your life through discipline. You will never be asked to pay more towards your debts than you can afford. But you have to stick to your debt management program and make an honest effort to practice money skills you learn along the way.

    If you are committed to your Debt Consolidation Program, all kinds of good things can happen. Your stress about money disappears. You start spending wisely and saving more. You strengthen your spirit by setting and achieving your financial goals. Above all, your outlook about money becomes positive and you'll feel stronger facing life day-to-day.

    We’re not saying there won’t be any pain along the way. Clearing financial hurdles and truly experiencing debt relief can take time and 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 debt relief options, including our Debt Consolidation Program.

    Free Debt Assessment