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Free Debt Consolidation
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If you need help with an easy-to-create debt consolidation program and start getting back on track, we can help. National Debt Relief Services is Ontario’s most trusted hardship relief and debt consolidation agency. Click the button below to speak to one of our amazing debt specialists.
Disregarding your creditors will just make your problem get worse. The best way to communicate with your creditor is to be honest about your situation. Let them know the reason why you are not able to make your debt payments.
If you need to contact your creditor, it is best to speak to the below authorities to get a better resolution on how to go about your debt:
Try to negotiate a new payment plan that will be easier for you to repay your debt with lesser monthly payments for a longer period. This will allow you breathing room, just contact your creditor directly to make this arrangement.
It is best to bring documents related to your debt and have a proposed budget in mind ready to work with your creditor. Be direct in asking for help, and don’t make promises that you can’t keep as this will just worsen your situation in the future.
If you think that you can’t be able to repay your total debt owed, you may request the creditor to have a portion of your debt be forgiven. Other options you can ask your creditors are:
If you have been contacted by a collection agency in Ontario, make sure to verify the information and its legitimacy.
As per the Ontario Collections and Debt Settlement Services Act, agencies must mail you a written letter notifying you that they are taking over collecting your debt on behalf of the creditor.
The notice letter should include the following information:
After receiving the letter in the mail, you will start to get collection calls from the collection agencies after six (6) days.
When speaking to the collection agency, you must be honest about your financial situation and ask for an easy payment arrangement or payment terms. Note down the following information every time you are contacted by a collection agency:
Once a payment arrangement has been agreed upon, collection agencies must stop contacting you unless you fail to keep your promise.
If you are not in the financial capacity to pay off your debt, you are not alone, there is help available for you. With a debt consolidation program, not only will your creditors will stop contacting you about your debt but it will also:
We will be the one to negotiate a personalized debt relief option with your creditors and reduce your debt by up to 75%. This means you will only pay a portion of your debt and the rest is forgiven.
You qualify for this program if you have over $10,000 worth of unsecured debts including Credit Cards, Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday Loans, and Student Loan.
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
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.
SEE IF YOU QUALIFY TO:
No contact details required to find out if you qualify
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.
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