Reduce your total credit card payments by up to 30-50%

What is your total credit card debt amount?

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More than 500,000 Canadians helped in 10 years

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Almost $500 million in debt eliminated

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300+ hrs. of education offered each year

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Review your debts, budget and credit with a trained credit counsellor to see if you qualify for a debt management program and explore other options for relief, so you can avoid bankruptcy.

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Take the time you need to decide. Once you are ready to enroll, we will call your creditors and work with them to lower your interest rates and stop late fees.

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The program is easy! You make one payment to us each month, and we distribute the funds to your creditors on your behalf. You can be out of debt in as little as 36 months.


Rated 4.7 / 5 based on 6,686 reviews onTrustpilot
5 stars

Kiersten was extremely…

Kiersten was extremely helpful through out the process and I cannot wait to get rid…


5 stars

The counselor was so…

The counselor was so understanding and helpful! Made the entire process so easy and…


4 stars

Very helpfull

Very helpfull, made the experience easy, also information satisfactory

Shelley Fontaine

5 stars


Very friendly and willing to help with anything they can


5 stars

I had my debt…

I had my debt consolidated and got a manageable debt repayment plan.

Robert Morris Fare

4 stars

They have been extremely…

They have been extremely helpful, excellent customer service. Knowledgeable of…


5 stars

Overall experience has…

Overall experience has been great, thank you for the service.


5 stars

Super helpful

Super helpful

Michael Saari

5 stars

From the beggining very…

From the beggining very helpful staff, well explainned process, am almost at the end…


5 stars


She’s was great all around…was helpful from the minute she answered the phone


5 stars

Awesome person very help…

Awesome person very help her the best

Larry Bechard

5 stars

Very grateful!

I am very thankful for this help! Getting my silly loan dropped and basically paying…


4 stars

Iam just happy that all…

Iam just happy that all my loans and bills will be paid off finally 😁☺️


Showing our 4 and 5 star ratings