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Our Debt Settlement Program

Paying off your debt for less than you owe with one lump sum payment.

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Request a free, confidential, personal consultation to get information on ALL of your options to become debt FREE.


debt-settlement-400px.jpgWhat is a Debt Settlement?

There are times when your financial circumstances may prevent you from repaying your debts in full. In such circumstances your creditors may be open to negotiate with you or a third party a repayment amount that is less than the full value of the debt that you currently owe. In some cases the final settlement amount negotiated can be substantially less than you owe. Settlements can range between 80% to 20% of the debt owed, but each settlement is entirely dependent on an individual's financial situation (settlements in the lower end of this range are extremely rare and would require exceptional circumstances).

Because a debt settlement requires a lump sum of money to offer to a creditor, it isn't a viable option for most people who are experiencing financial hardship. However, there are other debt relief options that offer substantial help including a Debt Management Program or a Consumer Proposal. If you are struggling with your debts, feel free to contact one of our Debt Settlement Experts to review your financial situation and see what options are available to you. Speaking with us is always free, non-judgmental, and confidential.


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debt-settlement-negotiation.jpgHow Our Debt Settlement Program Works

Through our debt settlement program, one of our Debt Settlement Experts will negotiate with your creditors to offer a one-time lump sum payment to settle your debts. The settlement offer will depend on your financial situation.

No one can guarantee specific results with a debt settlement, but our success rate is extremely high because we will not begin to negotiate with your creditors unless the reasons for proceeding with a settlement make sense. Based on our many years of experience negotiating settlements, we know what type of situations make sense and what type of a settlement offer creditors would be willing to consider based on a particular set of circumstances. It's not magic, it's just a lot of experience that our clients benefit from.


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fairness.jpgYou Only Pay If We Succeed

We only charge a fee for our debt settlement services if we are successful at negotiating a settlement for you and receive written acceptance from your creditors. We have always believed that this is the only fair and ethical way to approach debt settlements. We also believe that fairness and transparency belong at the very beginning of the debt settlement process. Unlike so many settlement companies we've seen come and go over the years, we will not try to persuade you to do a debt settlement if it doesn't make sense for your situation.

counsellor-helping-with-debt.jpgLearn More - Talk To One of Our Debt Settlement Experts

All of our Debt Settlement Specialists are licensed and accredited Credit Counsellors with many years of experience in the financial industry. They know what creditors are likely to accept, and they have years of experience helping people find alternative ways of dealing with their debts when a settlement isn’t a realistic option. Call us today to find out more. We are a non-profit service, and we are here to help.


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Accredited member of Credit Counselling Canada.
International affiliate of the National Foundation for Credit Counseling.
Accredited as a charity with the Better Business Bureau.
Winner of the Consumer Choice Award in cities across Canada.

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