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Types Of Debt That Can Be Included In A Debt Consolidation

For many Canadians, debt consolidation is the right solution to eliminate huge debt. It allows an individual to combine all debts into a single monthly payment. But what are the debts that can and cannot be included in debt consolidation? Continue reading to know more about the debts that you can include in a debt consolidation plan.

Debt consolidation is a government-approved process of eliminating your debt by up to 50% – 75%. It will serve as your protection from creditors once approved. This will stop creditors from contacting you about your debts. It will freeze interests from all your debts that are included in the program. It will also stop wage garnishments.

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

Types Of Debt

National Debt Relief Services is providing Free Consultation for anyone living in Canada and experiencing debt problems. We are here to help you get out of debt easily and legally. We have a team of professional debt consultants who will help create a personalized debt relief and debt savings plan for you. We offer a hassle-free consultation; at the comfort of your home through phone call, email, or zoom. Even if you don’t use our service, you’ll be able to gain knowledge about this amazing government-approved debt relief program.

What are the debts I can include?

unsecured debts

In general, unsecured debts are viable to be included in your debt consolidation program. Unsecured debt refers to a type of obligation or debt that is not protected by collateral or an asset of the debtor.

Examples of Unsecured Debts:

  1. Credit Cards
  2. Department Store Cards
  3. Household Bills/Utilities/Telephone Bills
  4. Student Loans
  5. Personal Loans
  6. Payday Loans
  7. Personal Taxes, CERB

If you have over $10,000 worth of debt from the above-mentioned type of debts, you are not alone – we can help! Our government-approved debt relief program will help you settle and reduce your debt by up to 50%-75%. We will create a tailor-fitted debt savings plan based on your budget and what you can afford to pay monthly.

What happens if I can’t pay my Unsecured Debts?

debt collection agency

If you fall behind on your payments, your creditors can take action against you. The lending institutions will contact you through calls or SMS to collect payments; they may even forward your debt to a debt collection agency to make a more aggressive collection strategy. Even worse, creditors can file a lawsuit against you.

But don’t panic; our debt relief and consolidation program can stop all these actions by your creditor. Most of our clients are enjoying peace of mind and are now sleeping well at night due to the number of benefits our debt forgiveness program has provided.

Immediate Debt Relief includes:

  • Stop Collection Calls
  • Stop Wage Garnishments
  • Stop Lawsuits
  • Stop Interests


To find out more about how we helped thousands of Canadians with our government-approved debt relief program, please visit this link to read our client testimonials and our google reviews.

What happens if I can’t pay my Unsecured Debts?

types of Secured Debts

All secured loans are not allowed to be included in debt consolidation. Unlike unsecured loans, secured loans are backed by collateral.

Common types of Secured Debts:

  • Mortgage Loans – The collateral for a mortgage loan is the house itself.
  • Vehicle Loans – These are Car loans, Motorcycle loans, Boat loans, and even private plane loans.   
  • Secured Credit Cards – Unlike traditional credit cards, secured credit cards require a cash deposit, which serves as the collateral.

Can business debt be included in debt consolidation?

debt consolidation program

A debt consolidation program cannot include debts owed by an incorporated business. However, if you are self-employed or you own a small business that is not incorporated, and you have debts related to your business – you may include it in debt consolidation. For example, HST (Harmonized Sales Tax) can be included in the debt consolidation.

Talk to National Debt Relief Services to Get Comprehensive Details About Debt Consolidation Program (Government-Approved)

National Debt Relief Services

Let us help you by using our Free Debt Savings Calculator. One of our debt consultants will contact you to discuss your debt relief options. Start a debt-free life by taking advantage of this Free Consultation.

We will donate $1 for every 15-minute consultation; this is our way of giving back to the community.

We value your health; this can all be done in the safety of your home (via Phone Call or Zoom). Even if you don’t use our service, you’ll get to know more about the benefits of this government-approved debt forgiveness program.

All communication is secured, private and confidential.

✅Free, personalized debt relief plans

✅Zero upfront fees until debt is resolved

✅Deferred payment options available due to Covid-19

For the past decade, National Debt Relief has helped thousands of clients resolve over $5 billion in debt and feel the relief of financial independence.

Click below for a free quote and a personalized debt relief plan from a Certified Debt Specialist!

Start now by clicking on the link below. National Debt Relief Services won’t let you down.

Our Clients 5-Star Reviews

Kerry Lynne
Kerry Lynne
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“Jen was absolutely wonderful to work with and I highly recommend her to everyone!! She completely took all the stress of debt and the feeling of being overwhelmed by it all away with the very first phone call. Very informative with the whole process and all questions, she truly works wonders. Best part of working with Jen was her understanding with no judgement of my situation.”
Mike Gray
Mike Gray
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“I dealt with Allicia Macdonald she was very understanding and helpful with everything and is always there to answer your questions.”
Yorly Pedre Aguila
Yorly Pedre Aguila
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Michelle worked with my wife and I, and she did an exceptional job. She made us feel very comfortable with our situation and was very helpful. She went out of her way to explain everything and help us obtain the documents she needed. Thank you Michelle, you have been a life saver for us! We appreciate all of your effort and hard work.

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?

Debt relief program's accreditation logos
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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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