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Strategies to Pay Off Credit Card Debt

Paying off credit card debt quickly may be simpler than you think if you carry a load from month to month. The secret is making a solid plan and following it. You can choose a path to take fast to pay off any credit card debt using one of these options.

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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

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Debt Ontario

Establish a goal

Setting realistic objectives for oneself is essential, particularly when trying to pay off high-rate credit cards or other kinds of consumer debt (overdrafts, lines of credit, vehicle loans, etc.). It is better than nothing, even if the goal is only to make a minimal payment for the foreseeable future.

While it’s simple to rack up balances on credit cards rapidly, it takes time and self-control to pay them off and develop a method for paying off credit card debt that works for you. Regularly monitor your progress to keep yourself on track and inspired. To stay focused, make your financial goals S.M.A.R.T (Specific, Measurable, Attainable, Relevant, and Timely).

Plan your monthly expenses

Make a monthly spending plan for your money to discover how to get out of debt and avoid borrowing money from your credit cards over and over again. This will enable you to live within your means as opposed to living beyond your limits, which is how credit card debt develops. It will also specify when you can anticipate being debt-free, provided that you follow the plan.

Debt-free Ontario

Focus on one debt at a time

Do you have any outstanding balances on any other credit cards? If so, make sure you consistently pay the minimum amount due on each card. Then concentrate on reducing the combined balance on each card, one at a time. There are two options for selecting which card to target:

  • The Avalanche Method

Many individuals have discovered that the Avalanche Method is the most effective strategy for paying off credit card debt.

It functions as follows. Make the least payment on your credit cards with the lowest interest rates and maximize your payments on the credit cards with the highest interest rates after paying off any debts with set monthly payments (mortgages, car loans, and term loans). Use this extra cash to settle the credit card with the next highest interest rate after settling a debt.

The Avalanche method will enable you to reduce all of your debts more quickly and save money.

  • The Snowball Method

By paying off your obligations in order of size using the Snowball Method. A strong motivator that could keep you on track is paying off debt quickly as you can.

Like with the Avalanche Method, you pay the minimum amount due on each loan each month before putting all of your effort into the debt that you want to pay off. When you’ve paid it off in full, you apply the funds you set aside for it to the following most considerable debt on your list.

Pay Off Debt

Keep an eye on your spending

Sometimes unplanned medical or other emergencies cause people to incur credit card debt. In other instances, persistent overspending is the cause of debt, which implies you’re frequently spending too much more than you’re saving or having in your account. Making a sensible budget is the next best step in paying off that debt because it gives you a complete insight into how much you’re spending.

  • Change to paying with cash

The last thing you want to do is to add to your credit card debt by continuing to charge your costs if paying off your credit card is your major priority.

Due to the psychological impact of physically giving over tangible invoices, paying with cash not only helps you avoid taking on more debt but can also encourage you to spend less overall. Additionally, it makes certain purchases difficult for you, which reduces your likelihood of making them.

  • Make use of financial windfalls

Pay down your debt with raises, bonuses, and other financial windfalls rather than adding them to your monthly spending budget. You can accelerate your debt repayment by using this “extra” cash to make small payments on your debt.

Deb Consolidation Canada

Debt Consolidation

To pay off your debt more quickly without having to increase your payment amounts, you can consolidate your debt by combining many balances with higher interest rates into one with a lower rate. Here are two popular methods for debt consolidation:

  • Consider a Balance Transfer

Utilize a low balance transfer rate to get the debt off high-interest credit cards. Be mindful that balance transfer costs, which are frequently between 3 and 5 percent, may often outweigh the savings from the lowest interest rate. Always take that into account when evaluating this choice.

  • Consolidate Debt with Home Equity

You could have enough equity in your home if you own it to roll all of your debts into your mortgage. Additional mortgage insurance costs could be pricey if you don’t have much equity in your property. Take a look at your possibilities and get counsel from a source other than your lender (since they have a vested interest in your choice).



If the interest rate on the debt consolidation loan is lower than the interest rates on your credit cards, debt consolidation may make it simpler and less expensive to pay off your debt. See how much you can SAVE by getting a FREE consultation! 

Our Clients 5-Star Reviews

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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