100+ Canadians Choose Us Weekly – 800+ All 5-Star Reviews – Read real stories here

Learn how to reduce your debt by 50-80% within 5-7 days

Free Debt Consolidation

No contact details required to find out if you qualify

Free Savings Estimate

Get Started

How it Works

Know More

Debt Relief Options

See Your Options

3 Reasons Why Ontario Debt Consolidation Post Covid-19 Is Still A Good Solution

Debt consolidation is an effective strategy that allows people to get out of debt quickly and easily with minimal effect on their credit score and their financial future.

Instead of juggling multiple creditors and worrying about making several loan payment deadlines, with debt consolidation, you just need to make one monthly loan payment.

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

Debt Consolidation Ontario

There are four basic debt consolidation services that are available in Ontario

  • Taking out a debt consolidation loan
  • Having a debt management plan
  • Enrolling in a debt settlement program
  • A Debt Relief Program

What is a debt consolidation loan?

You can pay off multiple debts by taking out a debt consolidation loan. A debt consolidation loan is a low-interest loan that you use to pay off your other loans.

Instead of fretting over how you can make multiple loan payments – often with different interest rates and payment schedules – you just need to make one monthly payment of the debt consolidation loan and you can quickly and conveniently pay off your debt.

What is a debt management plan?

Canada Debt Reduction

In Ontario, we have reputable credit counseling agencies which help people pay off their debt. Their credit counselors help you negotiate one consolidated payment – oftentimes with an interest rate reduction – with your creditors.

They will then help you come up with a manageable payment schedule that will allow you to pay off your debts within a given time period, usually around 3 years.

What are debt settlement services?

Debt consolidation companies in Ontario can help you settle your debts easily through a single payment plan. 

Instead of making multiple debt payments with several agencies, you just need to make one single payment by paying through a debt consolidation company. The company will negotiate for you with your creditors on an agreed on payment amount to settle your debt.


What is a Debt Relief Program?

Debt Consolidation Program

This is a debt settlement program that is provided by the government of Canada. This is a debt settlement agreement negotiated and filed between you and your creditors. A Debt Relief Agency in Ontario can help you apply for this government-approved debt forgiveness program and make sure that the terms are flexible in your benefit.

National Debt Relief Services debt consultants will negotiate for you and get your debtor to agree to accept payment of a percentage of your debt, which you will pay in interest free installments over a certain time period. After you pay off that percentage you will get debt freedom.

Why is debt consolidation in Ontario a good way to get out of debt?

It will help you get control of your finances

One of the hardest parts of getting out of debt is keeping track of your different repayment schedules and making sure that you come up with a budget that will allow you to make these payments on time. Instead of several payments, you just need to make one payment that will cover all of your debts.


It will reduce the interest rates of your debts

Loans have interest rates, this is a small percentage that is added to your monthly payments every with every installment. When you sign a loan agreement, the interest rate is something that you need to look at because if you are not careful it can cause your debt to balloon to an unmanageable amount – and if you have several loans it will become even more complicated as these will have different interest rates.

With debt consolidation, you can reduce the amount of interest you need to pay every month. If you opt to take a debt consolidation loan, these loans often come with interest rates that are way lower than other loans. If you opt for debt consolidation, part of the negotiation process will be that you make your payments at a low-interest rate.


It will allow you to pay off debt easier and faster

No matter what debt consolidation strategy you decide on, the end goal is the same – to find a way to pay off your debts through an affordable payment schedule.

A debt consolidation loan ensures that your payments don’t accrue unmanageable interest so they stay low and affordable. Making sure that you can make your payments, it ensures that you pay off the loan quicker.

Debt settlement and debt management work to ensure that you pay off your debt by lowering your payments and coming up with a schedule you can easily stick to. A debt relief program is similar in the sense that you negotiate with your debtors to get out of debt by paying them off at a lower rate.

Our Clients 5-Star Reviews

Meagan Hounsell
Meagan Hounsell
Read More
“Allicia was super helpful with walking me through all the steps of the process. She was able to cut 75% of my debt and It’s been a life saver. Especially since the pandemic hit and I lost most of my income. Can’t thank her enough!”
Althea Guard
Althea Guard
Read More
“Thank you for the excellent service Alan Gayle. Your motto says it all”
Read More
"Yes I'm very happy that Brittany Bahar helped me get out of debt. She was so kind and patient to wait for my documents! Thumbs up to you Brittany!! God gave me you! You are an amazing human being! Stay safe. God bless you!!!"

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?

Debt relief program's accreditation logos
Council for Economic Education

Proud to support financial literacy education

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

We Help Over 200+ Ontario Clients Per Day

We're here to help you consolidate your debt.

Get a free savings estimate today. There is no obligation.