100+ Canadians Choose Us Weekly – 1000+ 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

Credit Counseling Services for Canadians

Do you need assistance managing your finances because of debt? You can get the support and direction you need through our credit counseling services to raise your credit score and establish financial security.

Many Canadians find that their debt is a significant source of worry and anxiety. It can be challenging to manage finances and get on the right road for a better financial future if you have debt, whether it be from credit card debt, student loans, or other types of debt. Credit counseling services can give you the assistance and direction you need to regain control of your money and attain financial stability if you are struggling with debt.

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

credit Counseling

Credit counseling: What is it?

Credit counseling is a service that offers people the assistance and direction they require to manage their money and raise their credit scores. Together, you and a credit counselor will create a unique plan for handling your bills and raising your credit score. They’ll also give you the resources and tools you need to stay on track and reach your financial objectives.

Many services, such as budgeting advice, debt management plans, credit report reviews, and financial education, can be included in credit counseling services. Credit counseling is to assist people in developing sound financial habits and achieving financial security.


What Is the Process of Credit Counseling?

An initial consultation usually marks the beginning of credit counseling. A credit counselor will examine your financial situation during this meeting and provide a unique plan for handling your bills and raising your credit score. This could entail making a budget, coming up with a debt-management strategy, or offering guidance on how to raise your credit score.

Your credit counselor will collaborate with you to put your tailored plan into action after it has been created. This could be giving you the tools and resources you need to stay on track and reach your financial objectives, negotiating with your creditors to lower interest rates or monthly payments, or both.

  •  Benefits of Credit Counseling

Numerous advantages can be obtained by credit counseling, including:

✔ Improved Debt Management and Credit Score:

Credit counseling can assist you in creating a budget, managing your bills, and raising your credit score. This can assist you in developing sound financial habits and achieving financial security.

✔ Lower Interest Rates:

Negotiating with your creditors to reduce interest rates or monthly payments may be part of credit counseling. This can shorten the time it takes to pay off your debts and help you save money.

✔ Debt Management Plans:

Credit counseling can assist you in creating a debt management strategy that is suited to your particular financial circumstances. This can assist you in making on-time payments on your bills and preventing late fees and penalties.

✔ Financial Education:

Credit counseling can give you the resources and techniques you need to improve your understanding of finances. This might assist you in reaching your financial objectives and in making wise financial decisions.


  • Risks of Credit Counseling

There are many benefits to credit counseling, but there are also certain concerns that people should be aware of. These may consist of:

✘ Charges:

Some credit counseling firms may impose a cost for their assistance. Any fees connected with credit counseling should be carefully examined to make sure they are fair.

✘ Impact on Credit Score:

Credit counseling might affect your credit score. For instance, your credit report can make mention of your participation in a debt management plan. Your credit score may be impacted, although usually not to the same extent as with bankruptcy or debt settlement.

✘ Limited Effectiveness:

Credit counseling may not be successful for all clients. Credit counseling might not be sufficient to assist you in achieving financial stability if you are battling with a large amount of debt or a low income.


Selecting a Credit Counseling Service

It might be difficult to decide which credit counseling agency to choose, but there are several things to take into account. 

  • Consider the company’s reputation first. To gauge other customers’ levels of satisfaction, look at their reviews and ratings. 
  • The service fees should also be taken into account. Make sure you are aware of the service’s price as well as any potential supplemental charges. 
  • The credentials of the experts supplying the service are the final thing to take into account. Check to see if they have credit counseling experience and are licensed.

It is also essential to confirm that the credit counseling service has earned accreditation from a trustworthy agency, such as the Financial Consumer Agency of Canada (FCAC) or the Canadian Association of Credit Counselling Services. (CACCS). These organizations make sure that credit counseling services adhere to a set of standards and offer their consumers high-quality services.



We’ll Help You Get Back on Track

National Debt Relief offers specialized credit counseling services to help Canadians achieve financial stability and live debt-free. Our services include financial education, credit record assessments, debt management plans, and budgeting advice tailored to meet individual needs. Our experienced team of experts provides personalized support and guidance to ensure success, and they are dedicated to providing high-quality service and support. 

“National Debt Relief are here to help you take the first step toward a brighter financial future.”

credit Counseling

Our Clients 5-Star Reviews

Jennifer Chenier
Jennifer Chenier
Read More
I was lost ... single mom... off due to Covid for 3 months .. did what it took to pay bills and look after my kids... and left with nothing but a tonne of debt I could not keep up with 😢. And then ....I met Connie.. Connie gave me my life back. The entire experience was like talking to my mother. She was full of compassion and knowledge and took me under her wing for this entire process. She turned tears into smiles and hope . She reassured me.. and made me feel like it was Going to be ok. I can’t thank her and the team (Paul) enough for helping me through this . I highly recommend National Debt Services to anyone looking for help with their debt . Start living again ❤️. Thanks Connie Jen
Katherina Preston
Katherina Preston
Read More
"So glad I finally had the courage to make the call" Suma was amazing.. she guided me through my options and got the answers to all my questions. By the end of our very first phone conversation I had hope again...finally...no more sleepless nights worrying my debt ....Thank you National Debt Relief Services
Chris V
Chris V
Read More
I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.

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.