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[2023 Must-Know Information] Canadian Debt Consolidation Plan: Can I Do It Myself?

If you are living in Ontario and suffering from debt problems, you need to know this information now.

Know more about us and what we can do by clicking on the button below…

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

What is a Canadian Debt Consolidation Plan?

Canadian Debt Consolidation Plan

If you owe more than $10,000 worth of debt, such as Credit Cards, Personal Loans, Car Loans, Taxes, HST, 407, Household Bills, Payday Loan, Student Loan, you need to know this information now.

Our All Canadian Debt Consolidation Program is trusted, well-reviewed and will help you reduce or eliminate up to 50% – 75% of your debt amount. Also, it will consolidate your credit into one affordable monthly payment, only paying the principal and never paying the interest again!

It’s a government approved program that will change your life! Instead of paying all your creditors high-interests, plus huge monthly payments, separately every month – you only need to pay creditors a percentage of what you owe; in single and affordable monthly payments.

Are you paying minimum payments? Do you not see your balances nudge down? If yes, continue to read and apply for free debt relief information. It’s no obligation and it will change your life. You are one click away from being debt free. Canadian residents only!

Can I make a Debt Consolidation Plan myself?

Debt Consolidation

The short answer is NO, you can’t. A debt consolidation plan should be created together by a trusted debt relief organization like us that will do all the work on your behalf, we work with Government approved professionals to lower your debt. It’s a legal process that will give you legal protection from your creditors.

Get our information for free before you go anywhere else! This debt consolidation plan has to be presented to all your creditors which the majority of them have to vote in favor of your proposed debt consolidation offer with the help of a debt consolidation agency in Canada. Once this is approved by your creditors, it becomes a legally binding agreement between you and all your creditors which they must obey.

If I can’t make a debt consolidation plan myself, who can help me?

Canadian Debt Relief

A Canadian Debt Relief and Consolidation Agency can help you beginning from the consultation stage to having your personalized debt consolidation plan approved. You must speak to a trusted debt relief and consolidation agency that will make sure your financial situation is being considered along with all your assets before creating a debt consolidation plan for your creditors.

National Debt Relief Services is Canada’s trusted name in hardship relief. We help hundreds of Canadians everyday get out of debt and experience the life they always wanted; a debt-free life. We provide Free Consultation, without any upfront fees, no commitments, no obligations, no risks. We will help you create a personalized debt consolidation plan that will fit your current financial situation.

How do I get started?

Free Debt Savings

Just take advantage of our Free Consultation by using the Free Debt Savings Estimate calculator. You don’t have to go to any of our offices. This can all be done in the comfort of your home. There’s no need to risk your health, we will help you sort out the best debt relief option available for you via phone call or zoom. We will be the one to help you negotiate this plan with all your creditors.

Why choose National Debt Relief Services?

We are Canada’s trusted name in hardship relief. We offer a Free Consultation to all Canadians who are experiencing difficulty in paying their debts, at no costs, no upfront fees, no risks, and no commitment. For every consultation, we will donate $1 to Sick Kids in Canada; this is our way of giving back to the community. Rest assured that your information is secured. All communications are confidential and private.

Every day, we help hundreds of Canadians compare and create the most affordable debt relief program which can solve their debt problems. Be one of the people we can help by clicking on this link to know more about how the debt consolidation program can help you pay off your debts.

✅Free, personalized debt relief plans

✅Zero upfront fees until debt is resolved

✅Deferred payment options available due to Covid-19

For the past decade, National Debt Relief has helped thousands of clients resolve over $5 billion in debt and feel the relief of financial independence.

Click below for a free quote and a personalized debt relief plan from a Certified Debt Specialist!

Our Clients 5-Star Reviews

Ewerton Cardoso
Ewerton Cardoso
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Miss Caroline and her stuff was great and help me a lot , I’m very happy with the results!! Thanks a lot
Terry Nyah
Terry Nyah
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Just lovely, a wonderful experience glad I made the choice Fanoula your amazing thanks again.
Jesse Xpc
Jesse Xpc
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These people were amazing to deal with. Suma made my experience very comfortable. When u made mistakes with your credit like i did. Its a bit embarrassing to talk about. I felt very comfortable with her. Great company.

Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

  • Credit Card Debts
  • Personal Loans
  • Car Loans
  • Taxes
  • HST
  • 407
  • Household Bills
  • Payday Loans
  • Student Loan
  • and more…

Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

We will help you compare
the options and savings of all formal debt relief programs available to you.


No contact details required to find out if you qualify

Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.


This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

Why Trust National Debt Relief Services?

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See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

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