These Canadians are Back to Enjoying a Debt-Free Life

Paying off credit card debt can be a challenge on your own. High interest charges can make it difficult to pay off high balances effectively, especially if you’re juggling multiple bills and only making minimum payments.

A debt management plan can consolidate your credit cards and other unsecured debts into one affordable monthly payment. Then we work with your creditors to reduce or—in most cases—eliminate interest. This allows you to save time and money as you get out of debt.

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These case studies come from real clients of Consolidated Credit. You can see how much a debt management plan helped them save to help you decide if this solution is right for you.

Case Study

Karen from Pincher, AB

“What a great feeling to be debt free! Consolidated Credit gave us hope to get out of debt, and helped us achieve our goals. All of our dealings were very positive in nature, and I would recommend them to family and friends. ”

Where she started:
  • Total unsecured debt: $17,000.00
  • Estimated interest charges: $9,947.07
  • Time to payoff: 14 years, 10 months
  • Total monthly payments: $680.00
After DMP enrollment:
  • Average negotiated interest rate: 0.00%
  • Total interest charges: $0.00
  • Time to payoff: 3 years, 11 months
  • Total monthly payment: $365.00
Time Saved

10 years, 11 months

Monthly Savings

$315.00

Interest Saved

$9,947.07

Case Study

Lisa from Pointe-Claire, QC

“Wonderful friendly helpful people!!! ”

Where she started:
  • Total unsecured debt: $44,000.00
  • Estimated interest charges: $26,020.67
  • Time to payoff: 15 years, 5 months
  • Total monthly payments: $1,760.00
After DMP enrollment:
  • Average negotiated interest rate: 0.00%
  • Total interest charges: $0.00
  • Time to payoff: 4 years 2 months
  • Total monthly payment: $873.00
Time Saved

11 years, 3 months

Monthly Savings

$887.00

Interest Saved

$26,020.67

Case Study

Adam from Ladysmith, BC

“Having one monthly payment helped me get out of the revolving door of debt and I actually got to see my debt going down. Sometimes it was hard but worth all the effort in the end and a very freeing feeling at the end. ”

Where he started:
  • Total unsecured debt: $33,803.00
  • Estimated interest charges: $19,902.50
  • Time to payoff: 14 years, 8 months
  • Total monthly payments: $1,352.12
After DMP enrollment:
  • Average negotiated interest rate: 2.50%
  • Total interest charges: $1,054.42
  • Time to payoff: 4 years, 0 months
  • Total monthly payment: $737.00
Time Saved

10 years, 8 months

Monthly Savings

$615.12

Interest Saved

$18,848.08

Case Study

Kristen from Brandon, MB

“Great service and up to date info. ”

Where she started:
  • Total unsecured debt: $11,260.00
  • Estimated interest charges: $6,376.63
  • Time to payoff: 11 years, 6 months
  • Total monthly payments: $450.40
After DMP enrollment:
  • Average negotiated interest rate: 1.67%
  • Total interest charges: $666.69
  • Time to payoff: 4 years 4 months
  • Total monthly payment: $232.00
Time Saved

7 years, 2 months

Monthly Savings

$218.40

Interest Saved

$5,709.94

Case Study

Stephanie from Moncton, NB

“Best experience I’ve ever had when dealing with overdue debt! Thanks so much!! ”

Where she started:
  • Total unsecured debt: $9,172.66
  • Estimated interest charges: $4,500.20
  • Time to payoff: 8 years, 3 months
  • Total monthly payments: $370.43
After DMP enrollment:
  • Average negotiated interest rate: 0.00%
  • Total interest charges: $0.00
  • Time to payoff: 3 years, 2 months
  • Total monthly payment: $242.00
Time Saved

5 years, 1 month

Monthly Savings

$128.43

Interest Saved

$4,500.20

Case Study

Jody from Bridgewater, NS

“They go to bat for you and are very understanding. ”

Where she started:
  • Total unsecured debt: $39,075.14
  • Estimated interest charges: $22,812.69
  • Time to payoff: 14 years, 9 months
  • Total monthly payments: $1,563.01
After DMP enrollment:
  • Average negotiated interest rate: 0.00%
  • Total interest charges: $0.00
  • Time to payoff: 4 years 2 months
  • Total monthly payment: $787.00
Time Saved

10 years, 7 months

Monthly Savings

$776.01

Interest Saved

$22,812.69

Case Study

Chad from Summerside, PE

“I can’t thank you guys enough! It certainly relieved a lot of stress from our lives! Plus a feeling of accomplishment to get rid of debt! THANKS ”

Where he started:
  • Total unsecured debt: $20,260.00
  • Estimated interest charges: $11,523.55
  • Time to payoff: 12 years, 7 months
  • Total monthly payments: $810.40
After DMP enrollment:
  • Average negotiated interest rate: 1.00%
  • Total interest charges: $31.92
  • Time to payoff: 3 years, 4 months
  • Total monthly payment: $508.00
Time Saved

9 years, 3 months

Monthly Savings

$302.40

Interest Saved

$11,491.63

Case Study

Barbara from Martensville, SK

“Thank you so much for being there for us when we were in trouble and at a very low point in our life. You made it possible for us to see our way out!!! We have learned many valuable lessons through this journey thanks to you. ”

Where she started:
  • Total unsecured debt: $40,155.00
  • Estimated interest charges: $22,828.25
  • Time to payoff: 13 years, 8 months
  • Total monthly payments: $1,606.20
After DMP enrollment:
  • Average negotiated interest rate: 1.50%
  • Total interest charges: $1,384.75
  • Time to payoff: 3 years, 9 months
  • Total monthly payment: $930.00
Time Saved

9 years, 11 months

Monthly Savings

$676.20

Interest Saved

$21,443.50