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

Customized Debt Management Programs in Canada

For Canadians, debt can be a significant source of stress and anxiety, particularly during uncertain economic times. It can be challenging to know where to look for assistance if you're struggling with debt of any kind, whether it's from credit cards, student loans, or other sources. Fortunately, those who are struggling with debt may find relief through specialized debt management programs.

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

What are customized debt relief program services?

  • In order to manage their debt and get back on track to financial stability, people and families can benefit from customized debt relief program servicess.
  • The kind and quantity of debt, income, spending, and financial objectives are just a few examples of the variables that are taken into account when designing these programs to match the particular needs of each person.
  • These programs aim to lessen the negative effects on people’s credit scores and overall financial health while assisting people in paying off their debts as quickly and effectively as possible.
  • This is done using a number of techniques, including negotiating with creditors, consolidating debts, and coming up with a unique repayment plan.



How do customized debt management programs work?

  • Any customized debt management program must begin with a thorough evaluation of the client’s financial situation.
  • This typically involves reviewing all outstanding debts, income, expenses, and other relevant financial information.
  • A customized debt management plan is created based on the results of this assessment in order to help the person pay off their debts as quickly and effectively as possible.
  • This may entail negotiating with creditors to cut interest rates or remove fees, consolidating debts into a single monthly payment, or designing a customized repayment plan that takes into account the individual’s income and spending.
  • An individual who enrolls in a debt management program works closely with a debt counselor or financial advisor who offers direction and support at every stage.
  • The counselor provides guidance on budgeting, tips on how to control spending, and suggestions for ways to strengthen their overall financial situation.



What are the benefits of customized debt management programs?

Participating in a customized debt management program has many benefits, such as:

Reduced stress and anxiety:

Debt can be a significant source of stress and anxiety, but by offering a clear path to debt elimination, customized debt management programs can help reduce these emotions.

Lower interest rates:

Debt management programs frequently negotiate lower interest rates with creditors, saving borrowers thousands of dollars throughout their debt.

Consolidated payments:

Debt management programs can combine debts into a single monthly payment, eliminating the need to manage several debt payments each month.

Improved credit score:

People taking part in debt management programs can gradually raise their credit scores by consistently making on-time payments and lowering their debt balances.

Financial education:

Debt management programs frequently include financial education and counseling, which can aid people in improving their overall financial health and helping them learn better money management techniques.



What are the risks of customized debt management programs?

While there are numerous benefits to engaging in a customized debt management program, there are also certain hazards to be aware of. These consist of:


Some debt management programs charge a fee for their services, which raises the program’s overall cost.

Duration of the program:

Debt management plans can take several years to complete, depending on the total amount of debt and the person’s income.

Impact on credit score:

Although debt management programs can eventually raise a person’s credit score, there might be a brief decline in the score while they are enrolled in the program.

Limited access to credit:

While enrolled in a debt management program, people may have restricted access to new credit, which can be problematic if unanticipated expenses arise.



How to choose a customized debt management program?

Do your research and pick a reputable program that satisfies your unique needs if you’re thinking about a customized debt management program. Here are some factors to consider:


Finding a program with accreditation from a reputable agency, such as the Financial Consumer Agency of Canada (FCAC) or the Canadian Association of Credit Counselling Services, is important.


Learn about the program’s associated fees and confirm that they are reasonable and transparent.

Services provided:

Seek out a program that provides a variety of services, such as debt consolidation, budgeting assistance, and financial education.

Counselor qualifications:

Verify that the program uses licensed, experienced, and qualified debt counselors who have received the necessary training and education to offer financial counseling.

Success rate:

Inquire as to how effective the program is at assisting participants in reducing debt and enhancing their financial stability.



Customized Debt Relief in Canada

If you are having financial trouble, try not to let money rule your life. Explore customized debt management programs in Canada to take action. You may get back on track to financial security by paying off your debts with the assistance of National Debt Relief
Our experienced and accredited debt counselors will collaborate with you to develop a customized debt management strategy that takes into account your particular financial circumstances. You may lessen stress and anxiety levels and raise your credit score with reduced interest rates, consolidated payments, and financial education. 
To begin your journey to a future free of debt, get in touch with us right away. (1-800-300-9550)

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.