Reduce Your Payments

HOW MUCH DO YOU OWE?

$25,000
$5,000
$100,0000
Get Started  

Debt Help for Canadians

Canada’s one-stop solution for information and tools to help you get out of debt

Debt Calculators

Calculate debt freedom

Take advantage of our online debt calculators and see how long it will take you to pay off your debt in Canada.

Debt Calculators  

Help Centre

Learn more about your options

Transparent, easy-to-understand, and complete information so that you can make an informed decision.

Help Centre

Anonymous Q&A

Questions? Get expert advice

Find answers to some of the most common debt questions. Ask for help and get expert advice today!

Anonymous Q&A

WE CHANGE PEOPLE’S LIVES

Thousands of Canadians have trusted us to help them get the fresh start they deserve

I feel that my life is under control again.

Melissa in Ontario

Helped with $15,000in debt

Matt in British Columbia

Helped with $32,000in debt

The support we have received has been enormous.

I really and truly, finally can look at retirement in a positive light.

Colleen in Alberta

Helped with $26,000in debt

How It Works

Take the first step and get your free online savings estimate today

1

Calculate your debts

Examine your current situation at no charge or obligation. Get your free online savings estimate today!

2

REDUCE YOUR PAYMENTS

Reduce your payments by up to 50% and combine all of your payments into one affordable monthly payment.

3

BECOME DEBT FREE

Start today and you could get out of debt in as little as 24 - 48 months.

Get on the path to
debt freedomstart now

Help Centre

Our help center will help you find answers to all your questions

Debt Settlement
What is the Cost of Debt Settlement?

Cost is one of the biggest concerns that people have about debt relief. This is expected and if you already…

See more
Debt Settlement
What is Debt Settlement?

You may have seen those advertisements that have promised to settle your debt for only 30% to 50% of what…

See more
Debt Settlement
How Long Does Debt Settlement Take?

How Long Does Debt Settlement Take? The final cost and impact on your credit score can be vary based on…

See more

OUR BLOG

Our help center will help you find answers to all your questions

zascia
What is Insolvency?

Insolvency means you’re unable to pay your debts as they come due. When used as a commercial term, it means…

See more
zascia
What is National Patriots’ Day?

If you live in the province of Quebec, you most likely celebrate National Patriots’ Day. The annual holiday falls on…

See more
zascia
Apple Card: Apple wants to make it even easier to charge

Technology giant Apple is dipping its toes into the credit card business. The smartphone maker recently announced the arrival of Apple Card….

See more

How much do you owe?

${{optionsSlider1.min}} ${{optionsSlider1.max}}
Get Started

Are you behind on payments?

How many creditors do you have?

{{optionsSliderCreditor.min}} {{optionsSliderCreditor.max}}
Continue

What types of debt do you have?

CREDIT CARDS Payday Loans Personal Loans Store Cards Tax Debt Student Loans Lines of Credit Other
Continue

How much student loan debt do you have?

{{optionsSliderStudent.min}} {{optionsSliderStudent.max}}
Continue

How long has it been since you last attended class?

{{optionsSliderStudentLong.min}} {{optionsSliderStudentLong.max}}
Continue

Estimate your credit rating

What is your employment status?

Are you a home owner?

Yes No

What is your property value?

${{optionsSlider1.min}} ${{optionsSlider1.max}}
Continue

What is your mortgage balance?

${{optionsSlider3.min}} ${{optionsSlider3.max}}
Continue

Enter your postal code

See If You Qualify

One Step Away
From Your Free Estimate