Are you being contacted by multiple collection agencies, and you aren’t sure what do to? 

What is your total personal 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 6,692 reviews onTrustpilot
5 stars

First encounter was OK

First, I did not wait a long time before someone talked to me. It was fairly…

Pierre Fortin

5 stars

Erin is helpful and down…

Erin is helpful and down to earth, polite, they answered and described everything…


5 stars

Jason was amazing and it…

Jason was amazing and it was so easy and patient. Great Job.

Blogger Shop Gadgets & Gifts

5 stars

Fantastic customer…

Fantastic customer service!


5 stars

Help me to consolidate…

Help me to consolidate my debt to one payments monthly and get rid of the interest


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

Showing our 4 and 5 star ratings