Programs and Options

Depending on your situation, there are many programs and options that are available to help you get out of debt.


Government Debt Management Programs

These programs are filed through Industry Canada and allow consumers and businesses to consolidate and reduce their debt, while being set up with one monthly payment at zero percent interest.

Debt Consolidation

A consolidation loan is usually provided through a bank or financial institution , and combines all of your debts into one larger loan, with one monthly payment.

Consumer Proposal

You can make a proposal to deal with your debts. We will work with you to determine what you can realistically afford to pay each month, and then offer that proposal to your creditors.

Budget Management

A solution to your financial problems could be budget management. If you have difficulties making a budget and following it, this may help you.

Financial Restructuring

Financial restructuring is when a loan is provided based on the equity available from an asset (home, vehicle etc.).


Bankruptcy is usually considered a last alternative, but is always an option.


To find out more about the programs and options that you qualify for, contact our office at 1.855.305.9940