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How To Deal With Ontario Creditors And Collection Agencies In 2023

Finding yourself stuck between not being able to pay your debts and receiving collection calls from creditors in Ontario can feel like a nightmare. You’ll start to experience sleepless nights and feel anxious all the time.

This can be prevented by a few debt relief options that you can choose from, depending on your financial situation.

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

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.

Debt Collection

How to Deal with Creditors

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:

  • Branch Manager
  • Collection Supervisor
  • Credit Manager
  • Account Manager

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.

What If You Don’t Have the Capacity to Pay Your Debt in Full?

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:

  • Waive the interest charges.
  • Request to not refer your account to collection agencies.
  • Ask the debt to be forgiven due to medical reasons (provide proof).
Collection Agencies in Ontario

How to Deal with Collection Agencies in Ontario

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:

  • The Creditor’s Name (to whom you owe the money)
  • The Debt Amount
  • The Name of the Collection Agency who will act on behalf of the Creditor regarding payments.

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:

  1. The collection officer’s name and telephone number.
  2. The agency he/she is representing.
  3. The date and time of the call.
  4. The type and debt they are calling you about.
  5. The repayment terms or payment arrangement you have agreed with them.

Once a payment arrangement has been agreed upon, collection agencies must stop contacting you unless you fail to keep your promise.

Collection Agencies

Stop Creditors & Collection Agencies from Contacting You

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:

  • Stop legal actions
  • Stop interest charges
  • Secure your assets
  • Stop wage garnishments

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.

Our Clients 5-Star Reviews

Matthew Killen
Matthew Killen
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My experience with national debt relief was fantastic. Better than I thought it would be.l got what I needed. payments could.nt better. All thanks to connie. Nice . helpful. lm 62 now I feel 52. Thanks again connie 😘
Kelly Herron
Kelly Herron
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Having to make some of the hardest decisions in the past couple of months to start my life over. Dawn was there, very understanding, very knowledgeable, and worked to get me to a new happy place. I would recommend Dawn to anyone having financial burden
Sandra Reece
Sandra Reece
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Triple A service from Dionne , she was easy to talk with, very knowledgeable about the services and extremely professional.

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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