100+ Canadians Choose Us Weekly – 800+ All 5-Star Reviews – Read real stories here

Click here to read reviews please

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

Debt Counselling, Canada Guide – COVID Update

The importance of debt counselling services in Canada has increased nowadays. Solving financial problems have become a challenge for many Canadians, not because of the amount of debt or type of debt but the kind of assistance that confuses them.

If you want to take action about your debt, you need to seek the help of a debt counselling agency. There are for-profit and nonprofit agencies that offer debt counselling to help you manage your debt and become equipped with financial knowledge to combat it.

Know more about us and what we can do by clicking on the button below…

Sick Kids

We donate $1 for every client that is eligible.

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 Counselling Canada

Some people do not prefer to tackle their debt with anyone else and deal with their debt on their own, but those who are experiencing severe financial stress might want to embrace assistance and would willingly do whatever they can to get out of this difficult situation fast.

What is Debt Counselling?

Debt Counselling Services Canada

This is a process in Canada with the aim to help individuals get out of debt. A debt counselling service is focused mainly on the following:

  • Financial Education
  • Effective Budgeting
  • Tools to get and keep people out of debt
  • Debt negotiation with Creditors

How does debt counselling work in Canada?

Canada Debt Counselling

First, after choosing which agency or company to help you with your debt, you will then meet with a debt counsellor. The role of a debt counsellor is to understand your situation and to find out what proper help you need with your debts.

They will ask you personal questions about your lifefinances, and income. Know that this is a normal procedure for them to fully understand your situation and to assess what is causing your debt problem. This conversation and communication are highly confidential and secured so you don’t need to worry about providing your personal details.

You will have to divulge information such as your sources of income, how much debt you owe, what type of debts do you have, your assets, your financial goals, and your habits. These details will be helpful helpful for them to be able to provide you the best debt solutions and advise you on what steps you need to take next.

Your debt counsellor will then present you with an action plan, or help you create a debt management plan that you will have to implement. Throughout the program, you will be in constant contact with your debt counsellor to make sure that things are on track.

How long will debt counselling services take?

Debt Counselling Services

This is not the same for every individual. It all depends on the amount of debt and the person’s capacity of repaying the debt. Everyone’s debt is different, everyone’s financial situation is also different. This makes it challenging to estimate how long this program will take for your debts to disappear or be paid off.

The best thing to do is to be open-minded to all possibilities and hiccups along the road. This way you are setting an expectation for yourself and to not expect something that might give you more feeling of being distressed.

Do not compare yourselves with others you know who have taken the same debt counselling services. But rather use that as a guideline or use them to determine whether a debt counselling service is a right option for you to eliminate your debt.

If you want to learn more on how you can manage your financial health during or after COVID, click on this link.

Other alternatives to Debt Counselling Service in Canada

Canada Debt Counselling Guide

If you are looking to put an end to your debt, you need to talk to us. We help thousands of Canadians eliminate debt for good. If you have more than $10,000 worth of debt from Credit Cards, Personal Loans, Car Loans, TaxesHST, CERB, 407, Household Bills, Payday Loan, and Student Loan, you need to know about this Government-Approved Debt Relief Options.

We can help create a personalized debt savings plan that will eliminate 50%-75% of your debt.

Let us help you, use our Free Debt Savings Calculator and one of our debt consultants will contact you to discuss your debt relief options. Start a debt-free life by taking advantage of this Free Consultation.

We will donate $1 for every 15-minute consultation; this is our way of giving back to the community.

We value your health that is why this can all be done in the safety of your home (via Phone Call or Zoom). Even if you don’t use our service, you’ll get to know more about the benefits of this government-approved debt forgiveness program.

All communication is secured, private, and confidential.

✅Free, personalized debt relief plans.

✅Zero upfront fees until the debt is resolved.

✅We have a professional and friendly team of debt specialists.

Our Clients 5-Star Reviews

Paul Notenboom
Paul Notenboom
Read More
“The honesty and transparency of the people that work for national debt relief and their partners was very comforting and reassuring. I would definitely recommend this for anyone who is financially struggling due to corna virus or just in general. Sara was very helpful amd polite and made this an easy care free process”
Julie Dickerson
Julie Dickerson
Read More
“Highly recommend Allicia Macdonald Very helpful and willing to help. 👍👍”
Kayla Kimberley
Kayla Kimberley
Read More
"I had the privilege of working with Fanoula Filtsos and she has been absolutely amazing, very kind and understanding, and working with me to find an amazing solution to my debt problems. She has been checking in and keeping in contact even through the holidays. Definitely worth contacting them even if you’re just wondering what the options are."
Previous
Next

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.

No contact details required to find out if you qualify

Sick Kids

We donate $1 for every client that is eligible.

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

Sick Kids

We donate $1 for every client that is eligible.

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
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

Plus we give back with every customer.

Sick Kids

We donate $1 for every client that is eligible.

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.

Sick Kids

We donate $1 for every client that is eligible.