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5 Easy Debt Solutions this 2023

Being in debt can be the hardest life challenge a person can experience, especially if the amount is unmanageable. If you are struggling with this kind of problem, enjoying life to the fullest is going to be difficult. In this article you will learn how you can benefit from becoming debt-free.

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 Solutions

What Causes People to Fall in Debt

Before finding out the things you can do once you become debt-free, it is also vital to understand how people get into debt.

  • Poor Money Management – Without proper budgeting and knowledge on how to handle finances, most people find themselves in debt.
  • Reduced Income – Sometimes people feel complacent even with changes in their income. This could result in getting into debt unexpectedly. Make sure that you modify your budget and adjust your spending if you experience reduced income.
  • Unexpected Life Events – This is one of the top reasons how people suffer debt problems. Natural Disaster, Accident, Illness are examples of life events that highly impacts an individual’s finances.
  • Spending Habits – Bad spending habits like gambling, unnecessary purchases, and regular shopping are culprits of why people end up with huge debt.

If you need help to fix your finances and eliminate your debt, click the button below to get a debt relief option that fits your current financial situation.

Perks of Being Debt-Free

To help you get motivated, below are the top 5 things that you can do if you are debt-free.

1 Save Money

If you have huge debt, a big portion of your budget is allocated towards repaying your debt and other bills. Therefore, saving money is going to be very difficult and impossible. Once your debt is eliminated, saving money will be easier. Create an emergency fund, open a savings account or RRSP (Registered Retirement Savings Plan).

2 Vacation

Having enough savings and a better cash flow can be rewarding. But what is even more rewarding is giving yourself a break. Paying for luxurious trips or holiday vacations will be possible if you are debt-free without thinking about debt or having to borrow money.

Easy Debt Solutions

3 Work Less

If you are in debt, you must be taking extra work or doing overtime to be able to pay up your debt. But if you become debt-free you only have to earn for your current expenses instead of working extra to pay off your debts. This means you can enjoy your day-offs and spend more time with family.

4 Do the Things You Love (Hobbies)

Being in a debt trap means you have less time to enjoy because you spend most of your time worrying and trying to make ends meet. This is true as you do your best to cut expenses and take extra work during your day-offs. Being debt-free means more quality time with family as well as more time to pursue your passion (sports, hobbies, movie nights).

5 Be Worry-Free

When you are debt-free, there’s more breathing room. No more sleepless nights, no more staying up late worrying about what will happen in the future.

We only listed 5 things that you can enjoy if you become debt-free, but there is a myriad of other things out there to enjoy as well. Enjoy the amazing perks of being debt-free by taking our debt consolidation program. 

Easy Debt Solutions

Start A Debt-Free Journey

If you are ready to embark on a debt-free journey, you are just a couple of steps away. We can help you reduce your debt by up to 75% with our easy and rewarding debt relief program. The entire process is done online; there’s no need to leave the comfort of your home.

Begin your path to becoming debt-free by taking the first step.

  1. Talk To Us – Get a free consultation by clicking the button below.
  2. Create a Debt Consolidation Plan with our Debt Specialists.
  3. Pay only a portion of your debt.
  4. Become debt-free in as fast as 36-48 months (maximum of 60 months).

Our Clients 5-Star Reviews

Brandon Heslinga
Brandon Heslinga
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Awesome service. Alan knows what he's talking about and he truly cares about his clients. I highly recommend this company if you need help with money problems.
Sandra Marshall
Sandra Marshall
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A1 top notch service! Alan was awesome and always available when I had questions. He's very knowledgeable and takes pride in his work and his clients and is great at putting people at ease. I would recommend this service to anyone needing help with finances.
Daniel Pearson
Daniel Pearson
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i just wanted to say i had a great experience with suma who helped me out tremendously.. she explained everything and helped me as much as she could on her end ..all and all it was easy and now that im finished so much stress has been lifted ...thanks so muchto all that were involved i the process

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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