Take on 2026 without the Stress of Unpaid Bills

Reduce Your Total Credit Card Payments By Up to 50%

You are not alone:

Laurent N. got help with $14,999 in QC1 minute ago
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Connie D. got help with $39,999 in AB2 minutes ago
Amanda M. got help with $65,500 in ON3 minutes ago
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Mohamed E. got help with $39,999 in QC4 minutes ago
Gina D. got help with $14,999 in ON5 minutes ago
Crystal B. got help with $7,500 in BC5 minutes ago
Katrina T. got help with $29,500 in ON7 minutes ago
Jocelyne S. got help with $39,999 in ON8 minutes ago
Gertha F. got help with $15,000 in QC9 minutes ago
Juliano C. got help with $29,999 in QC12 minutes ago
Stanley Z. got help with $19,999 in AB13 minutes ago
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Natrisha L. got help with $14,999 in ON16 minutes ago
Adrian G. got help with $14,999 in ON18 minutes ago
Diane B. got help with $19,999 in ON25 minutes 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

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Rated 4.7 / 5 based on 6,879 reviews onTrustpilot
5 stars

very helpful was able to…

very helpful was able to answer ally questions and help me understand everything.

Elton Conde

5 stars

Awesome staff.

Awesome staff.

MATTHEW G.

5 stars

Easy

Should have done it much sooner, way less stress!

CINDY D.

4 stars

The people on the phone…

The people on the phone are very friendly definitely took a load off my mind and my…

PAUL S.

5 stars

Great Vehicle For Debt…

An easy approach to managing one’s debt. Over 3 yrs ago my debt was getting…

CHRISTOPHER Outhouse

5 stars

Helped me get out of debt

Helped me get out of debt

Luc Raymond

5 stars

Very Helpful

Great Communication

ROBERT HOLMES

5 stars

They have helped me…

They have helped me balanced what I needed to get back on track as well as worked…

Me

5 stars

Great experience

Great experience. Very professional, helpful & caring. Thank you.

Susan Klein

5 stars

Great always very…

Great always very helpful staff if needed to move payments easy and fast to do would…

Tracy Fraser

5 stars

5 Star Servce

I can not say enough nice words about the service I received today. My agent was…

MEL

Showing our 4 and 5 star ratings

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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

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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

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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.