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How To Stop Credit Card Debt 2023

Are you paying the minimum monthly dues only? Do you not see your outstanding balance nudge? Did you max out your credit card limit? Are you behind on your credit card payments?

If your answer to any or worse, all of the above is yes, know that you are not alone, we can help! Keep reading to learn about how you can stop credit card debt fast and easy.

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 have over $10,000 worth of debt on credit cards, personal loans, CRA, HST, personal taxes, a car loan, payday loans, 407 bills, household bills, store credit cards, or even a student loan, we can help. Continue reading to learn more about how you can eliminate credit card debt and other debts easily and legally.

Canada Credit Card Debt

The majority of Canadian Households use credit cards for groceries, shopping, food, and medicines. According to a study, an average Canadian have an average Credit Card debt of $2627.00. Dealing with huge credit card debts is never easy because of the high-interest rates.

Canadian Household Credit Cards

Depending on a person’s unique financial situation, the solution can vary as well. Everyone’s goal is the same, but taking the right help will make a huge difference on how you can successfully overcome debt. We are here to help! We offer a personalized debt relief and consolidation program that will help eliminate and reduce 50%-75% of your debt. This is a government-program that you must know about, keep reading to know more.

According to finder.com, the average Canadians have 2 credit cards due to their ease of use and as a popular means of payment which could result in higher chances of incurring more debt.

3 Consequences for Not Paying Your Credit Card Debt

1. Negatively Affect Your Credit Score

If you miss a payment (at least the minimum monthly payment), your credit score will be damaged. Make sure to pay at least your minimum payments to avoid getting your credit impacted. This can affect your application for a new credit line or loans in the future.

2. Interests Can Increase Rapidly

Falling behind your payments may trigger your credit card company to increase your interest rate. This can result in accumulating debt faster due to the increased interest.

3. Collection Calls or Lawsuits

If you totally ignore your credit card debt, lenders may forward your debt to a collection agency to bump up aggressive collection strategies. This could include harassing collection calls, or worse – a lawsuit.

Stopping Credit Card Debt

Credit Card Debt

If you’ve made a decision to finally get rid of your debt, below are simple steps that you can follow to help you get out of credit card debt in Canada.

  • Calculate Your Debt

You must know the total debt you owe, be it by credit card, personal loans, personal taxes, student loans, payday loans, etc. Assess your monthly duesinterest rates, late fees, and the balance you have for each debt.

  • Sort Out a Realistic Budget

After reviewing your debts, the best follow-up step you can do is to allocate a budget that can fulfill your obligations for all your debts, especially credit cards. The budget you are creating must be realistic in terms of how you can sustain it in the long run.

  • Balance Transfer Offers

Look out for balance transfer offers from other lending institutions or banks. Most of the time, these balance transfers have very attractive introductory offers such as very low to zero interest rates. This is a good way for you to cut off the high interest being incurred by your credit cards and start paying off what you owe with a new line of credit. 

  • Negotiate Better Interest Rate

Talk to the bank where you have credit card debt from and negotiate a lower interest rate. Some banks can offer you other card types that have a lower interest which you can use to pay off the high-interest cards you have.

  • Pay Off Your Credit Cards One by One

Plan to pay off one of your credit cards first. This solution can be done by yourself without any approval from your financial institution. You may decide to focus on a particular card, ideally with the highest interest rate first. This way, you can get rid of your credit card debt one by one.

  • Pay Extra

Paying extra on top of your minimum monthly payments is a small step but a proven relief option to quickly pay off your credit card debt. This is doable if you are receiving bonuses, tax refunds, cash gifts, or if you get a salary raise. A wise move to make valuable use of your extra money is to use it to pay your credit card balances.

  • Debt Consolidation

If you are looking to pay off your credit card debt faster and easier, Debt Consolidation is one of the best debt relief options can you take advantage of. Not only you can pay off credit card debt, but also other debts like Personal Loans, Car Loans, Taxes, CERB, HST, 407, Household Bills, Payday loans, and student loans. This is a government-approved debt relief and consolidation program designed to merge all your debt into a single and affordable monthly payment.

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Jennifer Chenier
Jennifer Chenier
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I was lost ... single mom... off due to Covid for 3 months .. did what it took to pay bills and look after my kids... and left with nothing but a tonne of debt I could not keep up with 😢. And then ....I met Connie.. Connie gave me my life back. The entire experience was like talking to my mother. She was full of compassion and knowledge and took me under her wing for this entire process. She turned tears into smiles and hope . She reassured me.. and made me feel like it was Going to be ok. I can’t thank her and the team (Paul) enough for helping me through this . I highly recommend National Debt Services to anyone looking for help with their debt . Start living again ❤️. Thanks Connie Jen
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
Chris V
Chris V
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I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.

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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