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How Can Someone On CERB Or ODSP Get Approved For Ontario Debt Consolidation?

Due to the COVID-19 pandemic, many people are facing unemployment or loss of income due to challenging business situations. It’s understandable that many people in Ontario are now worried about how to make their debt payments. 

Now would be a good time to talk to a credit counselor, initial consultation is usually free. You only pay service fees if you hire them to initiate a debt management or debt settlement plan for you. 

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

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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

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Ontario Debt Consolidation

Your credit counselor will take a look at your financial situation and help you decide what debt relief solution is best for you. A popular option for debt relief in Ontario is debt consolidation.

One concern, however, is whether or not you can still get debt consolidation while under government assistance. After all, debt doesn’t disappear just because your earning capacity is diminished. Should and can you get approved for debt consolidation in Ontario even when you are government benefits like CERB or ODSP?

What is CERB?

CERB stands for “Canada Emergency Response Benefit” it is a form of financial support that is being given to Canadians in emergency situations. In this case it’s given to those who are affected by the COVID-19 pandemic. In Ontario and elsewhere in Canada, CERB is available to both the employed and self-employed.

CERB during this time of COVID-19

CERB provides $500 a week that can help you financially. Due to the COVID-19 pandemic, CERB has now extended the assistance for qualified applicants to a maximum of 24 weeks. The general eligibility criteria in Ontario for CERB right now could be any of the following conditions:

  • They have stopped working because of COVID-19
  • They are eligible for Employment Insurance (regular or sickness benefits)
  • They exhausted their Employment Insurance benefits (regular or fishing) during the period of December 29, 2019 to October 3, 2020

There are more qualifications here. After confirming you are qualified for CERB, you will also be able to apply for it on that page.

Debt Consolidation and CERB

Debt consolidation allows you to consolidate multiple forms of debt and pay them off with only one monthly payment. If you go for a debt consolidation loan, you pay your debts by paying the loan. If you decide to use a credit counseling agency, you pay them to pay your creditors.

Even if you are on CERB, you should be able to apply for debt consolidation. The fact that you are unemployed or on CERB won’t show up on your credit record and it won’t impact your credit score. 

As long as you have a good credit score, you should be eligible for a debt consolidation loan and can enroll in either debt management or settlement.  

Keep in mind, however, that debt consolidation isn’t debt forgiveness, you’re still going to need to make monthly repayments. However, these payments – on your debt consolidation loans or to your credit counseling agency – will be lower due to lower interest rates and waivers of late fees. Keep in mind, however, that there will be service fees with your agency.

All in all, with careful budgeting, you can get debt consolidation in Ontario in CERB. 

What is ODSP?

ODSP is the Ontario Disability Support Program, a social assistance program that provides both income and employment support to Ontario residents with disabilities.

ODSP Income Support

This program aims to offer financial aid to pay for a person with disability’s living expenses. It also provides health benefits such as drug and dental coverage. You can calculate how much you are eligible for here

ODSP Employment Support

This program aims to help people with disabilities in Ontario find and keep a job. This is mostly in the form of training and mentoring. Though, if you want to start a business, they also offer financial help.

To apply for these programs, you must have a substantial physical or mental impairment that is continuous or recurrent. This should reduce or restrict your ability to work, take care of yourself, and take part in community life.

Debt Consolidation and ODSP

It is possible to get a loan while in ODSP, the money that you are receiving as part of this program will be treated as income by the lender. So ODSP will actually contribute to your “financial health” along with any other form of income and your credit score. 

Being in ODSP should not hamper you from getting a debt consolidation loan or enrolling in debt management or debt settlement programs. Whatever you get can be used to pay your consolidated debts. 

Our Clients 5-Star Reviews

Katherina Preston
Katherina Preston
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"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
First Last
First Last
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“DAWN was an absolute delight, and I was very fortunate to have someone with such grace and patience through our whole process!! Thank you, feeling so blessed and appreciative of you and your team!”
Candice Pena Mesa
Candice Pena Mesa
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“This was by far the most amazing experience I have ever had to go through Dawn made my what seemed to be impossible situation so smooth and comfortable that all my anxiety leading up to this caused go completely away she went above and beyond to help me navigate through everything even helped me find other sources to help me in other areas. I wouldn’t be in the place I am today with out the expertise patience friendly service from Dawn I recommend everyone to reach out and make the call they make it not scary at all !!!!!!!! Great job Dawn!!!!”

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?

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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

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