Reduce your credit card payments up to 30-50%

  • Simplify your debt into one affordable monthly payment
  • Reduce or eliminate your interest
  • Stop collection calls
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4.8 out of 5 7k Ratings
600M+ Debt Paid Off
500K+ Canadians Helped
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Stop Drowning In Debt Today

Consolidate your debt with a Debt Management Plan

Give us a call

If you prefer to call us today, reach out to see if you qualify and chat with one of our trained credit counsellors. Our friendly, non-judgmental team has helped hundreds of Canadians—we’re ready to help you too.

Call Us +1-844-538-7171

Review your financial situation

Our team will review your debts, budget, and credit to better understand how we can help and if a Debt Management Program is right for you.

Prepare your personalized debt solution

Your credit counsellor will call your creditors and work with them to lower your interest rates and stop late fees. You will then have the exact plan of action to tackle your debt and enjoy life debt free.

Ally’s debt before a DMP $35,136 Debt after 3 years $0

How Debt Management Plans help Canadians

As a non-profit credit counselling service, we offer Debt Management Plans to help reduce your financial burden. Our program consolidates your debts into one manageable payment with reduced or eliminated interest, allowing you to pay off what you owe without penalties. Let us help you take control of your debt and find a path to financial freedom.

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Got Questions? Get Clear on Debt Solutions

A Debt Management Plan (DMP) in Canada is a voluntary agreement, arranged through a credit counselling agency, that consolidates your unsecured debt into a single monthly payment, often with reduced interest rates and fees. It typically lasts 3 to 5 years, helping you repay debt more manageably.

In a Debt Management Plan (DMP), you can include unsecured debts, such as:

  • Credit card debt
  • Personal loans
  • Payday loans
  • Lines of credit (unsecured)
  • Unpaid utility bills
  • Medical bills
  • Collection accounts

The benefits of a Debt Management Plan (DMP) include:

  1. Lower interest rates: Creditors may agree to reduce or eliminate interest rates, making it easier to pay down the principal.
  2. Single monthly payment: Consolidating your debts into one payment simplifies managing your finances.
  3. Waived fees: Late fees and penalties may be reduced or waived by creditors.
  4. Avoid collection actions: Participation in a DMP can halt creditor calls and collection efforts.
  5. Structured path to debt freedom: With a set plan, you can become debt-free in a manageable 3-5 years.

Additionally, while it may initially impact your credit, completing a DMP can eventually improve your credit score by reducing debt balances.

Experience the Benefits of Professional Debt Relief

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