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How To Get Canadian Debt Relief In 2022

If you are living in Ontario and suffering from debt problems, you need to know this information now.

We helped thousands of Ontarians reduced their debts up to 75% with our personalized Debt Relief Program approved by the Ontario Government to help citizens get out of debt fast and in a secured way.

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

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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

Be Debt Free in 2021!

According to Investopediadebt relief is when debt is reorganized in a way that provides the indebted party with a respite from their payments. This is usually done by arranging it so that the monthly debt payments are reduced in some way.

This reduction in debt payments is meant to make it easier for repayment to be achieved. Many financial institutions are amenable to debt relief programs as it ensures that they get some of their money back. 

Debt relief plans actually help people get out of debt without having too much of an impact on their credit score.

Your credit score is important to securing your financial future, a bad credit score will impact your ability to apply for and get approved for financial products. Banks and other lending institutions will look at this when determining whether or not to approve your loan, mortgage, or credit card application. 

Go for it on your own with a debt consolidation loan.

If you have multiple sources of debt, one of the difficulties in becoming debt-free comes when you try to make all your loan payments in a timely manner. It can be a struggle to make all these payments and remember all the different due dates.

Debt consolidation is a form of debt relief where, instead of having to pay multiple bills at different times you consolidate all your bills and pay them in one payment.

In Canada, debt consolidation loans are offered to people looking for debt relief. What happens here is, you take out the debt consolidation loan to pay off your multiple existing loans. So to pay all your loans, you just need to make one payment – the payment of the debt consolidation loan.

One other reason why a debt consolidation loan is considered a good idea is, it has a lower interest rate than other types of loans.

All loans have interest rates, these are a small percentage by which the loan payment will increase every month. If you are struggling to pay a loan, high interest rates are your worst enemy because this means your loan payment will increase month by month. A low interest debt consolidation loan will be easier for you to pay off in a quick and timely manner. 

debt consolidation loan, however, oftentimes requires collateral – such as a house or car. It can also be hard to get one if your credit rating is bad. In these cases, it might be better to go to a credit counseling agency.

If you go to a credit counseling agency, you can get out of debt with the help of a credit counselor. In Canada, you can find a reputable credit counseling agency by checking and confirming that they are members of the provincial and national credit counseling associations.

Let the Debt Relief Agency do the work.

Your credit counselor from a debt relief agency will then come up with a debt management plan. They will go to your creditors and negotiate on your behalf a way to lower your monthly payments. This can be achieved by getting your creditors to agree on a lower monthly interest rate or a longer payment period.

Afterwards, instead of paying and negotiating with multiple bills, you will just make a single agreed upon payment through your credit counseling agency who will then, forward the same to your creditors for you.

Working with a credit counseling agency can save you money on your interest rates, but you will have to pay the agency a fee for its services.  

It will not address the negative impact on your credit score. It will be noted that you are in a debt management plan and that could impact future credit approvals. However, once you pay off your debt, this will only stay on your credit history for about two years, which means you will have faster time to rebuild it and get approved for future loans again.

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Gaetanne Bolton
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“I felt very good talking to Dawn. She is a great help. She has also hepled me out a lot. I am very happy witn everything. Thank You Dawn.”
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“Ezel helped me onto a new life path and alleviated a lot of stress for a breed life.”
Jay Corpuz
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"Allicia has been very helpful and informative. Although I am a very busy guy she still find a way to give us time to explain and walk us through the processes. Can't thank them enough for the great help. God bless you all."
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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.

No contact details required to find out if you qualify

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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.

SEE IF YOU QUALIFY TO:

No contact details required to find out if you qualify

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We donate $1 for every consultation.

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
20/09/2020
Verified
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
18/09/2020
Verified
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
18/09/2020
Verified
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
18/09/2020
Verified
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
18/09/2020
Verified
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
18/09/2020
Verified
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
18/09/2020
Verified
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
17/09/2020
Verified
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
17/09/2020
Verified
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
17/09/2020
Verified
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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We Help Over 200+ Ontario Clients Per Day

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Get a free savings estimate today. There is no obligation.

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