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How To Deal With Debt If You Have A Bad Credit

Getting out of debt with a bad credit may seem like impossible thing to do, but really doable. Help is available without having to resort to getting a bigger loan with even higher interest rates to cover all other existing smaller loans.

We are an experienced debt relief agency that can help you get out of debt for good even with a bad credit. Click the below button to get your free consultation with one of our debt specialists. There’s no need to leave your home, we can help discuss available options over the phone or via Zoom.

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

Understanding Your Credit Rating and What Is Causing the Damage

Credit Rating

It is very much possible to be able to deal with debts even with bad credit. You can be debt-free and be able to improve your credit rating without having to gamble with a high-interest rate consolidation loan.

Keep in mind though, that consolidating your debt into a single monthly payment won’t fix the real problem of why you got into huge debt in the first place. If you do not identify and acknowledge the cause of your problem, you may find yourself in another debt trap after a couple of years.

It is important to recognize that having bad credit is not the problem. Bad credit is just the symptom of your bigger problem.

Having huge debt and bad credit can be caused by job losshuge medical billsreduced work hours, and in most cases bad spending habits. You must know the negative effect of not knowing your financial capacity and overextending your expenses too far.

You should ask yourself, “why am I really in debt?“

4-Step Process to Get Out of Debt with Bad Credit in Canada

Bad Credit in Canada

1. Get Your Free Credit Report and start to analyze what you owe.

2. Determine how much you can afford to pay towards your debt by looking at your budget.

3. Get your Free Debt Relief Consultation with us to know your options.

4. Create a Personalized Government-Approved Debt Consolidation Program.

High-Interest Loan for Bad Credit

High-Interest Loan

Forget about this typical consolidation loan with high interest that will just get you deeper into debt. For most people, this is the easiest method to pay off other debts, but you risk staying in debt for years longer than necessary. Because with a new loan, a good portion of your payment will be allocated towards the interest and not the principal.

Explore Other Options

debt-relief options

To know which debt solution is right for you and your credit score, you will need to understand all other debt-relief options available for you out there. After understanding your income and expenses, you must also figure out what is going to be left in your wallet every month. This will help you decide how much to allocate towards repaying your debt.

Speak to a debt specialist to know how you can manage your debt without going for a high-interest loan.

Get the Right Debt Relief and Consolidation That Works

Debt Consolidation Program

National Debt Relief Services can help create a personalized debt relief and consolidation loan that will help you get back on track and improve your credit score.

Our Debt Consolidation Program is government-approved and can help eliminate and reduce your debt by up to 50%-75%. Merge your Credit Cards, Personal Loans, Car Loans, CERB, Taxes, CERB, HST, 407, Household Bills, Payday Loans, and Student loans into one affordable monthly payment.

You can get 100% Free Consultation from one of our debt specialists who will explain everything for you and help you throughout the entire process. Even if you don’t use our service, you will know a very valuable government program.

With this government-approved debt relief program, you will:

  • Stop collection calls
  • Stop wage garnishments
  • Stop Interests
  • Stop lawsuits
  • Protect your assets


After completing the program, you will be receiving a “Certificate of Full Performance” as documentary proof of your successful completion of this program. After 3 years, you can start rebuilding your credit while enjoying a debt-free life.

Read hundreds of 5-star google reviews at this link. We help thousands of Canadians get out of debt.

Click the below button to get started with an easy and painless debt consolidation program. Speaking with our debt specialists is always freeconfidential, and without obligation.

Our Clients 5-Star Reviews

James McCurdy
James McCurdy
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“Allicia is patient and is easy to chat with. She is almost like a family member, rather than a professional employee , which is great! If i ever hear of anyone who is going through the same thing as myself, I’ll recommend this program / Allicia to that person.”
Seun Ogunnubi
Seun Ogunnubi
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“Connie was very amazing and patient with helping out on my case till completion. She did a very thorough job and left no stone unturned, I got the most amazing results from this service”
Jarikre oghenemine
Jarikre oghenemine
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"Spoke with Alicia Macdonald she was so supportive, professional and helpful and answered all my questions, she is amazing."

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
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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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