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

4 Smart & Quickest Way To Pay Off Debt

Whether you only carry a small credit card debt or huge financial obligations (Credit Cards, Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans, and Student Loan), it can affect your goals and well-being.

There are a couple of ways to manage and pay off debt, but every individual has a different situation.

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

Paying off debts requires discipline, determination, and consistency. Here are the smart and quickest ways to pay off debt.

1. Get Rid of Credit Cards First

Pay Off Debt

If you have multiple debts, most probably the majority of the balance comes from the credit card. It is common to have huge credit card debt because it is convenient and tempting to use.

The more you swipe your credit card the more debt you are adding to your shoulder. If you are dedicated to paying off debt quicker, the smart way is to stop using credit cards.

Close your credit card accounts, or cut them up and; you will be surprised how much you’ll save yourself from interests every month. Credit cards are the number one culprit when it comes to high-interest rates which can get you deeper into debt.

2. Pay as Much as You Can

Pay Debt

If you are paying your minimum monthly credit card dues with out a miss, well and good but do not be surprised if your outstanding balance do not budge. Paying only the minimum required payments won’t pay off your credit card debt.

A big portion of your minimum payments are paid towards the interest and only a small portion gets allocated to the principal. What you can do to reverse this is to pay more than the minimum payment each month.

If you have received your bonus or have extra savings, you can use it to aggressively pay down your debt. Start with the lowest balance first, the freedom and happiness of paying off one will motivate you to continue paying down the next one until all is paid off.

3. Credit Counselling

Credit Counselling

A non-profit credit counseling agency can help you in so many ways. Starting from budgeting and giving your guidance on how you can better manage your financial life.

Credit counselors can work closely with you to identify how you can move forward strategically dealing with your debt. They are knowledgeable with financial tips and methods on how to help you get rid of debt.

It is also smart to ask about a Debt Management Plan in which they specialize in. It is a process of negotiating with your creditors on your behalf, how you can pay off your debts.

4. Debt Consolidation Program (Government Approved Debt Relief)

debt consolidation

If you feel overwhelmed with huge and multiple debts, this is your best option. Debt consolidation can help merge all your unsecured debts into a single and affordable monthly payment; you pay what you can afford.

This is an easy and legal way of paying off debt with the help of debt specialists like us. We will work for you and negotiate with your creditors to reduce and eliminate up to 75% of your debt. This is a great option to lower your monthly obligations and pay off your debt fast.

You also get protection from creditors. All collection calls, wage garnishment, interests, and lawsuits will stop once you apply and get approved for this debt relief program.

Explore Your Best Option – We Can Help!

debt relief options

National Debt Relief Services is Canada’s trusted partner in hardship and debt relief. We help hundreds of Canadians everyday sort out the best debt relief options available that suit their financial goals and condition.

We value your security and information, we provide 100% Free Consultation, no risks, no upfront fees, and no obligation. All communications and information are secured and safe with us.

Read hundreds of 5-star google reviews at this link to learn how we are helping Canadians get their financial freedom and stress-free life back.

Our Clients 5-Star Reviews

Carly Skagen
Carly Skagen
Read More
This company is awesome and works really hard to ensure you really are relieved of your debt! I dealt with Sarah Niebergall specifically and she was so kind, and professional when we worked on the perfect plan to reduce and remove my debt. Definitely choose this company for any of your debt relief needs. 😁👍
Rholand Atnallac
Rholand Atnallac
Read More
This is the best decision that I've made especially during the pandemic time wherein you have limited finances and paycheck to pay your bills. Alan Gale help me overcome the very stressful problem. He never stop explaining everything about the NDRS. At first I was very hesitant to go with this program (it's normal for first timer) but after all the explanation help, and assurance from Alan Gale, I accepted and go with the program. Now, imagine my almost 30K debt was reduce by almost 75% and can pay a very manageable amount on monthly basis. If you have any debt problem, just contact Alan Gale of NDRS and surely you can sleep like a baby at night, knowing that you will be debt free and got my finances in order now on the road to financial freedom. I’m not kidding National Debt relief is the BEST Program for financial freedom .. bankruptcy is NOT the way. Seriously call Alan Gale and he will find the best solution for you. Thanks soo much again Alan I really can’t thank you enough I slept like a baby the pass days and everyday being STRESS free ! ⭐️⭐️⭐️⭐️⭐️ kudos to you Alan!!!
Kaitlyn Watson
Kaitlyn Watson
Read More
Jennie has the best customer service/care that I have seen in a very long time. Not only did she(on behalf of the company) help me reduce my debt, she made it very easy and was very responsive throughout. Both my husband and I are now closer to being debt free because of this company and even received a referral fee for me to sign up for the program!!! Highly recommend to all who are in debt 🙂

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.