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Best Credit Card Debt Relief In Canada

It’s no surprise that most Canadians have been using credit cards as a lifeline during this difficult time. By now, your credit card debt might have already piled up and it’s becoming a burden. Here are Canadian credit card debt relief options, plans, and programs that might help.

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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

Warning Signs Your Credit Card Debt Is Getting Out Of Hand

Credit Card Debt Relief
  1. Your debt has accumulated so much that your minimum monthly payments don’t make a dent to your balance.
  2. You are having difficulty with your minimum monthly payments due to the huge credit card balance.
  3. Getting charged late fees or over-limit fees.
  4. Receiving collection calls due to non-payments, or delayed payments.

If you are experiencing one of the above warning signs, you need to take action now.

Are you experiencing any of these? Start exploring for credit card debt relief as soon as possible to avoid the situation from getting worse. We can help you immediately sort out a credit card debt relief program now. We will assess your situation to guarantee an efficient option to deal with your credit card debt and have successful results.

Negotiate With Your Credit Card Provider

Credit Card Provider

Making a 5-minute phone call to your bank could save you a few hundreds: even thousands of dollars depending on the amount of credit card debt you have. This means calling your credit card provider to ask for a lower interest rate.

Yes, asking for a lower interest rate usually works. In an article published by CBC, ten mall shoppers were asked to contact their banks to negotiate a lower interest rate and 6 out of 10 were promised by their lenders a lower rate. One of the shoppers successfully cut his rate to half, from 18% to 9%, just by calling his bank.

There’s no big deal about doing this. Don’t be too disappointed if your bank says no to you on your first attempt, but a “no” doesn’t mean “never”. Try fixing your credit score or making your next minimum payments on time and see if it makes a difference.

Get a Debt Relief Agency to Negotiate your Credit Card Debt

Debt Relief Agency

If your goal this 2021 is to make your debt repayments more manageable and to get debt relief from your creditors, then a Debt Consolidation program is what you need.

Debt Consolidation is the safest and the only Government-Approved credit card debt relief option in Canada.

Qualifying for Debt Consolidation has many advantages:

  • Negotiable debt settlement.
  • All monthly payments combined into one monthly payment not exceeding 5 years.
  • Repayments of only a portion of your debts instead of the total.
  • No lawsuits.
  • Secure your assets.

1. Protection from Creditors.

By law, collection companies and creditors can no longer contact you for payment once you are under the Debt Consolidation Program. This program will protect you from harassing collection calls and worrying wage garnishment.

2. Interest-free.

One of the fastest ways of paying off your debt is to pay all your old debts without interest. This program will freeze all interests from Creditors the same day the proposal is filed and accepted.

3. Chance to Rebuild Your Credit.

The reason you are taking advantage of this program is probably because you do not have a good credit score. It is not true that this program will hurt your credit score because, this is a credit rebuilding program. Transunion and Equifax will only remove the debt consolidation notes from your credit report 3 years after completion of the program, but that does not mean you cannot start rebuilding your credit score right after you receive your “Certificate of Full Performance”.

How to get started with Debt Consolidation?

If you believe that this is the best option for to better manage your debts, National Debt Relief Services is your go-to-agency. We provide you available debt relief options and help you choose the best debt solution for your current situation.

Debt Consolidation

With National Debt Relief Services, you don’t have to pay an upfront fee. We keep all your personal information private and confidential. By contacting us, you get a personalized debt savings plan from our certified and skilled team of debt specialists.

In addition to these amazing benefits, you will be able to consolidate other types of unsecured debts including Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans and Student Loan.

We care for your health and safety, stay home and get your free consultation via phone call or zoom.

Our Clients 5-Star Reviews

Dominik Slepcik
Dominik Slepcik
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“I would like to thank Suma Mathew for taking my file and getting me started into a brighter future every well taken care of”
Mosa Kalim Ilhami
Mosa Kalim Ilhami
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“Responsive My experience with Jenny was excellent she was professional she really look after my debit and I got sick in the middle she was keep contacting me even though was not answering her text messages because I was in quarantine. So I feel so lucky that That we have someone like Jenny gerigs so kind friendly and this kind of hard time of COVID-19 in our community. Best wishes for all:)) Mosa ilhami”
Ricardo Triana
Ricardo Triana
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"I had a great experience with Brittany, she is the manager and very professional and dedicated. She was always there when I needed it, and helped me and guided me through all the process, I would definitely recommend National Debt Relief Service to anybody whose looking for help. It is a great relief. Thanks Brittany."
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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.

SEE IF YOU QUALIFY TO:

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
20/09/2020
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
18/09/2020
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
18/09/2020
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
18/09/2020
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
18/09/2020
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
18/09/2020
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
18/09/2020
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
17/09/2020
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
17/09/2020
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
17/09/2020
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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