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Debt Management

Get out of debt today.

Debt solutions come in many different shapes and sizes. If you've found yourself in debt, there's good news – you do have options – and you are in the right place, because much of what you need to know is right here on this site.

Get Debt Help Now!

Debt Problems?

Most personal money problems involve credit card debt or personal loans that can’t be managed – that, or other forms of unsecured debt too.

We've got answers...

Is credit card debt getting you down? Maybe you’re way behind on your payments for a personal loan. Perhaps a payday loan has you worried. Whatever your debt concern, there are a number of steps you can take to reduce or eliminate debt.

They include everything from consolidation loans and consumer proposals, to the dreaded "last resort" – bankruptcy. All of these options – along with credit counselling and debt consolidation programs – are discussed on this website.

What's important to know is that you can get help and become debt free. 

 

debt problems

How Do I know If I'm in Debt?

We know it's not fun, but you may need to face some bad money habits that are leading you into debt problems. Do any of these signs set off warning bells for you?

Credit Misuse

Using credit because you don’t have cash on hand and paying only the monthly minimum payment.

Stalling One Creditor To Pay Another

This is a balancing act no one can maintain.

Overcharging & Underpaying

Charging more on your credit cards than the monthly amount you pay on your accounts?

Cash Advance Game

Using a cash advance from one creditor to pay another? Tricky, tricky!

Branch Hopping

Applying for a second Visa or Mastercard at another branch.

Habitual Credit Increaser

Are you constantly asking for increased spending limits on credit cards?

What is a Debt Consolidation Program?

A Simple Plan to Manage Your Debt Problems and Free You of Worry!

A Debt Consolidation Program (DCP) allows you to consolidate your debt into one affordable monthly payment. You're relieved of stress and you save money on the interest, too!

The program involves your unsecured debt, which may include your credit card bills, line of credit, unsecured loans, or any other debt that doesn’t require collateral (like a car or a home). To get set up with a Debt Consolidation Program you will need to book a free credit counselling appointment with a certified credit counsellor.

During this appointment they will:

  • Review your financial situation and develop a repayment plan based on your income and expenses
  • Negotiate with your creditors to arrange a single, low monthly payment and waive or reduce your interest charges
  • Conduct regular financial reviews to help budget and guide you towards successful completion of the program
Consolidate Your Debt
debt consolidation program

 

Debt Check-Up Quiz

Wondering if your debt is healthy? Time for a check-up! Our free Debt Check-Up Quiz is a quick and easy indicator of debt health. Don't worry, your information stays 100% private.

Ready To Begin?

Client Reviews

See how we've helped so many others become debt free.

Tyler Webster

A few years ago I had some debt issues and approached Credit Canada and Randolph Taylor for some help with consolidation. Randolph was very informative of all of my options and what course of action we should take. He took the time to explain all options and made feel like everything was going to be ok. At first I was very nervous to seek out any help but with Randolph's help and kind nature everything got resolved in a timely and professional manner. I would highly recommend Credit Canada and Randolph Taylor to anyone feeling the burden of debt. Since clearing up all of my debt a few issues came to light and when feeling overwhelmed I contacted Randolph and he helped me to figure everything out and has always been open to any follow up questions. I really appreciate everything Credit Canada and Randolph Taylor have done for me.

Martine Saldsman

Debt sucks, and it often feels insurmountable. It's so much easier to deal with when there is someone to help guide you through it. Credit Canada has helped so much, and I couldn't have done it without them. There's a one time, nominal service fee, and that's it. For the quality of service I've received and peace of mind I feel, I can say it's a huge bargain and soooo worth it. Right off the bat, I felt comfortable and reassured. My counselor, Randolph Taylor, has been consistently helpful and accommodating. It's such a relief to have someone in your corner to help you get you past the goal post.

M. Hamilton

I'm glad I discovered Credit Canada Debt Solutions. Four years ago I had an ever increasing high interest debt load that had gotten out of hand and was causing me stress and concern, as I didn't know where to begin, and then the phone calls started. Upon contacting Credit Canada I was connected with Randolph Taylor who was very understanding, professional and a calming influence. His expertise and experience soon had me on the way to becoming debt free, without further harassment from creditors and with a program that I was comfortable with. I highly recommend Credit Canada for your debt solutions. The service was excellent.

Get a Free Debt Assessment

It's easy! Just fill out the form below and one of our credit counselling experts will contact you to begin discussing your personalized debt management options:

Free Debt Assessment