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Get a clear picture of your spending vs. your income. Begin your online budget and financial analysis now by clicking the button above.

Our experts are here to help you understand your options and reach your goals. After you complete the easy-to-use online budget, one of our trained counsellors will reach out to you and provide recommendations.

Everything shared is 100% confidential and secure.

I understand and agree that by choosing “Start your online budget now”, I am voluntarily providing certain personal financial information in order to educate myself as to my current financial position. I understand that this budget tool is educational in nature, and that none of the information received in the form of a budget constitutes financial advice, nor does it constitute a counselling session. I understand and agree that the budget depends on the information I input into the fields, and that Company does not represent or guarantee the accuracy of the budget. I understand that this tool may collect information and should I choose not to provide such information, I am not to proceed further. If I choose to abandon the tool midway through the process, I understand that the information will not be maintained and I would be required to start providing the information from the beginning. Company disclaims all warranties associated with the budget tool herein. I understand and agree that Company may use the contact information provided herein to contact me through various means of communications, including automated messages, and that I expressly consent to receive these messages.

You are not alone:

Darlina R. got help with $10,000 in QC5 seconds ago
Aaron L. got help with $14,999 in ON5 minutes ago
Yosip Steven M. got help with $14,999 in QC6 minutes ago
Nick K. got help with $39,999 in QC7 minutes ago
Gagandeep S. got help with $10,000 in ON10 minutes ago
Mouhameth Amel B. got help with $14,999 in QC11 minutes ago
Andrew D. got help with $39,999 in ON27 minutes ago
David C. got help with $14,999 in ON34 minutes ago
Eric F. got help with $14,999 in ON35 minutes ago
Daphne W. got help with $100,000 in ON37 minutes ago
Trevor M. got help with $14,999 in AB37 minutes ago
Maria M. got help with $100,000 in ON47 minutes ago
Tyler D. got help with $10,000 in AB47 minutes ago
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Yvonne B. got help with $24,999 in NL1 hour ago
Anass B. got help with $39,999 in QC1 hour ago
Rupinder S. got help with $14,999 in ON1 hour ago
Nancy L. got help with $19,999 in ON1 hour ago
Cindy M. got help with $14,999 in QC1 hour ago
Breanna N. got help with $39,999 in AB2 hours ago
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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.

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Rated 4.7 / 5 based on 6,887 reviews onTrustpilot
5 stars

An invaluable service…

They have been a saving grace for me; their service has been invaluable. Before…

Tyler J

5 stars

The agent explained all…

The agent explained all my options and then recommended the payment plan. Then they…

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Simple and they truly…

Simple and they truly help you!

customer

5 stars

Really awesome

Really awesome, saved me from crippling debt

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Working Great So Far

Working Great So Far

Gerry Pfennigs

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My questions were…

My questions were answered clearly and thoroughly

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4 stars

Excellent service

I feel they have been attentive and have helped me very quickly.

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Helpful staff with good…

Helpful staff with good solutions.

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I highly recommend them.

I’ve been using them for over a year. Consolidated was very helpful and…

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Shalaiya was very…

Shalaiya was very helpful and patient with me. She walked me through everything…

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