Take on 2024 without the Stress of Unpaid Bills

Consolidate credit card bills into one affordable payment.

You are not alone:

You don’t need to do this alone

  • 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

GET HELP NOW 1-888-402-9720

Clients Share Their Experiences…

How Credit Counselling Can Help You Get Back to a Debt-Free Life

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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

What one Canadian saved with Consolidated Credit

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:
Interest Saved:

Who we are

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.