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

Debt-Stress Impact On Health & How To Manage It

Debt not only affects our financial health, but also our physical and emotional health – which is why, it is important to understand how to manage this situation to avoid further health and financial damage.

Miss payments and our lenders begin calling, making most people get overwhelmed with fear of legal actions and other actions creditors can execute. If you feel that you have debt-related stress, read this article to know how to deal with debt-stress better.

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 is Stress?

Stress can happen to anyone to some degree. It is defined as your body’s reaction or response to anything that requires attention or action.

Understanding how stress impacts your well-being is important, especially on your mental and physical health levels.

Signs of Stress

Signs of Stress

Signs can be short-term or long-term and can be recognized with the below symptoms:

  • Sudden Mood change
  • Difficulty sleeping
  • Fuzzy thinking
  • Dizziness
  • Loss of appetite
  • Feeling anxious
  • Frequent sickness
  • Low energy
  • And many more.

Tips to Manage Debt-Stress

If you are feeling stressed and anxious about your finances, one of the things you can do is to:

1. Identify your Debt Stress Triggers

Debt Stress Triggers

Find out which aspect of your financial condition is causing these worries. Someone may be stressed about an upcoming mortgage payment or a missed payment that led to penalties.

Identifying what causes the problem and recognizing what is triggering this stress gives you an idea as to how you can address the problem.

Consider also looking for options on how you can avoid the same situation and what you can do to stop this from happening again. Some questions to ask yourself:

Are you forgetting to set a reminder about your bill payment?

Are you spending more than what you can afford?

2. Write your Plan and Track Progress


Many people fail to create a budget and financial plan to refer to as their guide. It is important to come up with a plan by creating a budget – this will help you feel in control of your finances and manage your money more efficiently by avoiding the common problem caused by the “unknown” or simply guessing where your financial situation is at.

  • Start listing all your expenses such as monthly bills, groceries, and others.
  • Ensure you keep track of your debts by listing all unsecured and secured debts along with how much you owe on each and what needs to be paid every month.
  • Keep tracking your income and actual spending

It is also a great way to partner with your spouse and get her involved in the planning. People get surprised how their spouses have been shouldering the household finances alone. It is important to get on the same page and have a financial goal that you can work on together.

3. Complete Important Financial Items One at a Time

Financial Items

Moving forward, there will be important financial events that you will come across that need complete attention and planning. Do you have an upcoming financial task that you are expecting? Or do you have a plan of applying for a loan to consolidate your debt?

Keep track of these financial items and celebrate your progress as you complete everything, one at a time. Creating too many tasks at a time can cause stress, so better to do it one at a time. This way you can focus your attention and effort on completing one and making it successful.

4. Seek Professional Help

personalized debt consolidation

Some Canadians have prolonged their debts to a certain point; this makes the situation worse and more uncontrollable on their part.

Some of the reasons why people procrastinate on seeking assistance about their debt include:

  • Feeling embarrassed to seek help from others.
  • Worry of being judged
  • Fear of commitment.
  • Not knowing there is a solution that works.

If you are amongst these people who are overwhelmed about their debts and feel helpless, don’t worry we can help you. We are Canada’s most trusted hardship and debt relief agency that helps hundreds of people every day deal with their debt in the easiest and most efficient way.

We help create a personalized debt consolidation program that includes your Credit Cards, Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans, and Student loans. This government-approved program is designed to eliminate and reduce your debt by up to 75% of the original amount owed. Regain control of your finances by consolidating your debts into a more affordable payment and paying it off in as fast as 24-36 months.

Our Clients 5-Star Reviews

Luis F Reyes S
Luis F Reyes S
Read More
It’s so amazing how people like Brittany and Scott can change your life for good ! Super satisfied with your services, guidance and support please keep doing what you’re doing you’re the best ever!
Kristina Vetter
Kristina Vetter
Read More
Brittney helped me with my consumer proposal & was so wonderful, friendly, supportive and encouraging throughout the entire process. I really appreciate her help getting all of my finances in order so that I am able to move forward with my life from this point without the financial stress that previously plagued me. Thanks again for all your help!
Masood darab
Masood darab
Read More
National debt relief service is the end of your stress free life , they are amazing with great service specially Fanola one of the reps that she was very helpful and I thank you guys very much and recommend them to anyone like me who goes through the financially stressful life .

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.