Take on 2025 without the Stress of Unpaid Bills

Reduce Your Total Credit Card Payments By Up to 50%

You are not alone:

Cody B. got help with $14,999 in AB2 minutes ago
Veronique M. got help with $29,999 in QC13 minutes ago
Bailey M. got help with $49,999 in BC22 minutes ago
Cidgy D. got help with $14,999 in QC26 minutes ago
Elizabeth C. got help with $59,999 in ON30 minutes ago
Matthew D. got help with $10,000 in QC44 minutes ago
Spencer G. got help with $14,999 in BC45 minutes ago
Matthew F. got help with $14,999 in ON49 minutes ago
Matthew D. got help with $14,999 in QC51 minutes ago
Love S. got help with $39,999 in NS51 minutes ago
Emma M. got help with $19,999 in QC55 minutes ago
Daniel S. got help with $39,999 in ON57 minutes ago
Justice B. got help with $29,999 in NS58 minutes ago
Lisa J. got help with $70,000 in ON60 minutes ago
Prit P. got help with $10,000 in ON1 hour ago
Denise P. got help with $39,999 in NL1 hour ago
Mike S. got help with $75,000 in SK1 hour ago
Rose M. got help with $14,999 in AB1 hour ago
Carolann H. got help with $20,000 in ON1 hour ago
Mario B. got help with $14,999 in QC1 hour ago
  • Customize a payoff plan with a trained credit counsellor
  • Reduce or eliminate interest
  • Lower your total credit card payments by up to 50%
  • Become debt-free faster

Clients Share Their Experiences…

Excellent

Trustpilot
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…

JustAnswer Customer

5 stars

Simple and they truly…

Simple and they truly help you!

customer

5 stars

Really awesome

Really awesome, saved me from crippling debt

IAN M.

5 stars

Working Great So Far

Working Great So Far

Gerry Pfennigs

5 stars

My questions were…

My questions were answered clearly and thoroughly

Rocky Butala

4 stars

Excellent service

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

ANGEL GADIEL G.

5 stars

Helpful staff with good…

Helpful staff with good solutions.

Daniel Grant

5 stars

Friendly

Friendly, helpful employees

brad Neuls

5 stars

I highly recommend them.

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

TRACY

5 stars

Shalaiya was very…

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

RD

Showing our 4 and 5 star ratings

Trustpilot
Counsellor icon
Receive a Free Debt Analysis from a Trained Counsellor

Review your debts, credit, and budget with a trained credit counsellor to see where you stand and learn about options for relief

Wallet icon
Decide If a Debt Management Plan is Right for You

Learn how a customised plan can help you get out of debt with one affordable payment, and how it compares to other solutions

Time icon
Become Debt-Free in 30-60 Payments and Save Thousands

Consolidate credit cards, unsecured loans, and collections into one payment, minimize interest and stop penalties to save time and money

Case Study

Alexander from Toronto, ON

“My experience with Consolidated Credit has been awesome. I was in so much stress and as soon as I was talking with my consultant, I felt a lot better. They are really kind and very understanding and were able to come up with a solution for me that made sense and made things so much easier. I appreciate all the help and this program is something I would 100% refer friends and family too. Everyone deserves to be debt free. Thank you. ”

Where he started:
  • Total unsecured debt: $12,063.00
  • Estimated interest charges: $6,138.53
  • Time to payoff: 11 years, 1 month
  • Total monthly payments: $491.32
After DMP enrollment:
  • Average negotiated interest rate: 0.00%
  • Total interest charges: $0.00
  • Time to payoff: 3 years
  • Total monthly payment: $333.00
Time Saved

8 years, 1 month

Monthly Savings

$158.32

Interest Saved

$6138.53

Consolidated Credit is one of Canada’s largest nonprofit credit counselling organizations. It’s our mission to help Canadians end financial crises caused by unexpected expenses, reduced income and life events, such as unemployment. Since 2007, we’ve helped half a million people find relief.