Debt Relief For Any Situation
Looking for debt help? Having trouble paying your bills? Are you living paycheque to paycheque, month to month? Think you'll never be debt-free?
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WE WILL HELP TO STOP COLLECTION CALLS
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WE WILL HELP YOU REDUCE YOUR DEBT
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WE WILL HELP YOU PROTECT YOUR ASSETS
The Experts At Debtclear.ca Are Here And Ready To Help. What Are You Waiting For? Let’s Start Talking!
Why Choose Us?
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We Will Solve Your Financial Problems
Financial assessment is a necessary part of the qualification process, and allows our counselors to come up with an solution that truly makes sense for every client’s individual situation. It also provides our clients with full clarity of the magnitude of their debt situation.
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We Offer Relief From Stress
Financial assessment sheds light on the things that ought to be done to come up with an effective solution. We have lots of experience handling various types of debts and debt situations. This experience helps us come up with the best solution for handling debt.
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We Will Educate You On Money Management
Poor money management is the root of money problems. The focus in this final step is to build our client’s capacity to handle as well as manage financial matters independently.
Our Satisfied Clients
Contact Us Now
Coming to terms with the fact that I had a dept problem was extremely hard. I developed the courage to call and spoke with Emilie-- Emilie was the most patient, understanding, helpful, kind person I have ever met. Emilie explained everything over and over and over again to me because i couldn't believe how these people where going to help me. They helped me alright! The process was easy and the result was 100%. Thank you all again.
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Dave Tonnos
I was at a very low place in my financial life through a series of bad choices in the past year and stumbled across an ad while searching online for a sewing machine (my old machine finally gave out after years of faithful service). I read the Debtclear.ca Services ad and thought this might help me, although I was not that optimistic. From my first friendly phone call from Emilie to the final video call with a trustee Maggie and the most appealing Scott in between, I have been treated like royalty and not like the financial failure I felt myself to be. They have pulled me up from the depths of despair to where I can see some relief from huge debt load. Thank you so much for all you have done--the sun shines a little brighter around here today because of Debtclear.ca Services and associates.
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Amber-lyn Miller
What a nice group of people! They made me feel so calm and reassured me in the process. I was very fortunate to have Emillie as my original contact. She was so kind and right beside me for all the help I needed! Thank you everyone
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Leanne
I was hesitant at first contacting the firm, but after the initial meeting I decided to go for it. Their credit consultants explained to me the benefits of debt relief and all of my options. We were able, through a consumer proposal to reduce my debt by 75%. I am very thankful and hope that this step is a first of many of getting my finances back on track.
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Illona
I will give my entire experience 5 stars because the credit expert was kind and took the time to explain how a proposal works. He took the time to address any concerns I had and he made sure I was fully informed before I signed any papers. That being said I am now on the right track to getting back to living instead of hiding from my problems. Now I am apart of their proposal program feeling confident and at ease.
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Ashlee
Great experience, I felt an sense of relief after meeting with Stan. He is very knowledgeable and professional. Always available to answer questions and concerns. I highly recommend Debtclear.ca.
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Aggy
York credit services is one the best in Canada.
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Aniceto
I wanted to write a review that shows how dedicated and helpful Debtclear.ca Services have been for me. Their staff whom i dealt with were realiable, friendly, but most of all had my best interest when it came to my debt issues. They were wonderful people that made me feel comfortable and at ease about everything. Im so grateful and thankful .
I want to also to express my sincere gratitude and thanks to them for all their assistance, time and kindness in dealing with plausible solutions to get me back on track financially. This is the first step and glad i took it for my financial freedom.
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Brownsugar1980
Stan is very knowledgeable and professional. He cares deeply about supporting his clients and takes the time to explain the process!
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P.L
Great team, helped me with my financial situation just with their advice and further steps i might need to take, without even charging me for their tips or advice, which i really appreciate. Honest and reliableteam !
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igor sluchak
After working with Emilie I was left with a feeling of relief! She truly is outstanding when it comes to explaining The entire process with you. I would recommend her to anyone. She was available at any moment to speak with me. She made me feel safe and that’s exactly what I was loooking for.
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Jordaina Dollard
Potentially reduced my debt immensely with excellent monthly payments, friendly, helpful, reassuring, great service, reasonable cost, and good incentive program
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Ryan
Thank you for your excellent job to your client . I would highly recommend this company
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Marku Belarmino
Very helpful, honest, discreet and trust worthy. I highly recommend them.
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Sharon
Going with Debtclear.ca Services to get my debts taken care of was probably the best decision I've made this whole year. Before I reached out to them in June I have been trying to pay off my total debt of roughly 30k for over 2 years. During that time, and after quite a few thousands of dollars wasted by making the minimum payments to all 5 of my creditors, I finally began searching for a solution online - I've spoken to 3 different debt relief companies, and 3 more trustee firms that were in my area. The trustees mostly demanded I come in to the office and refused to have any kind of meaningful conversation over the phone with me, after I ended up visiting two of their offices, the amounts I was quoted seemed unreasonable - each firm wanted to get me into a 20k proposal, while I only owed 30. After trying to get an explanation of why they're quoting me such a high number, the only thing I was really told was that that's what was fair to the creditors in the trustee's opinion, and that I could afford the 20k settlement. The fact that I could afford it (barely) didn't seem like a good enough reason to pay that much.
I contacted Debtclear.ca same day I left second trustee firm's office, the guy I ended up reaching was Art, and he was very helpful right from the start - he explained all of my available options, even ones not offered by their company, and most importantly, he actually took the time to explain to me how the proposal numbers are calculated. I ended up filling a proposal with Debtclear.ca's assistance, and all of my debts were settled for just over 11k. The trustee they work with was very nice as well, and didn't just brush off my concerns like the previous two tried to do. All in all, this was a very positive experience, I would certainly recommend them if my own friends and family were ever in need of assistance.
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Mike Denko
Debtclear.ca Services took a lot of stress off my life.
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Donna
Stan was great and very helpful and very knowledgeable thank you for your services
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Giorgio
Frequently Asked Questions
Debtclear.ca Services doesn’t charge any upfront fees, and there’s no cost to sign up. Our initial Reliefs are free. During your Relief, one of our certified debt specialists will talk with you and see if the Debtclear.ca Services program is right for you. Our clients pay a fee based on how much we are able to save them; however, payments only are only due once a client is in a debt relief program, legally protected from creditors, and their situation is being resolved. In addition, the fee is paid via monthly payments, that are guaranteed not to increase. You’ll will continue to have a structured monthly payment plan for the entire time you’re enrolled in the Debtclear.ca Services program.
Yes, there is a temporarily negative impact to one’s credit rating, and it can be improved after you have completed the program and you are debt free. We provide credit rebuilding assistance to all our clients. If you are already behind on your bills, or especially if you are in collections, your credit score will already be lower so the effects of our program may not be as severe.
No, we do not offer debt consolidation loans. We can consolidate your debts into one low monthly payment. If you have bad credit, you will not qualify for a debt relief loan in the first place, and solving debt with more debt goes against our approach here at Debtclear.ca Services.
Debt settlement rarely provides an opportunity for an affordable payment plan, instead requiring a lump sum payment with strict time limits. In addition to that, majority of Canadian banks do not engage in private debt settlement. There are also types of debts that can’t be settled privately at all – HST, income tax, OSAP, just to name a few. Engaging in any form of debt settlement, be that privately or through a debt settlement, does not provide you with any legal protections against creditor action.
The program length varies between 24-60 months, however an important factor to keep in mind is that the programs we offer are completely open, meaning that it can be paid off at any time, without any penalties. Most of our clients are able to complete their debt relief program considerably ahead of schedule, as there is no interest, and all payments go towards the principal balance, which has already been reduced to a manageable amount.
All of our programs come with full legal protection from creditors, meaning that not only will you not get sued, but that you will also be protected from all other forms of creditor action – collection calls and letters will stop, garnishments will be cancelled, and even if a creditor has put a lien on your property (with exception of CRA liens) it will be lifted upon completion of the program.
No, our goal is to have our clients debts resolved while allowing them to avoid filing for bankruptcy. That being said, we do provide bankruptcy consulting where a situation may warrant such a drastic solution, however that approach is generally reserved for most severe of cases where settling for a percentage of debt just isn’t realistic.
No, after entering into one of our program your payment towards it will be distributed amongst your creditors based on the reduction achieved. You will only have to make one single monthly payment towards all of your debts.
Why Our Counseling Services?
We can help you with the following:
- Figure out how much debt you have
- Let you know if you qualify for any settlement
- Help you consolidate all of your debts into one single manageable monthly payment
- Help you find a settlement plan that is perfect for your lifestyle and needs
- Educate you on the drawbacks of debt settlement and how you can overcome them
- Make you aware of debt relief options that are available to you
Top Debt Relief Company
We Can Help You With:
High Credit Card Debt Reduction / Collection Calls / Debt Relief/ Foreclosure Debt Solutions / Student Loans / Pay Day Loans / Income Tax Debt / Wage Garnishments / Credit Relief Loans
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Expert team of local debt specialists
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Confidential advice on all personal debt matters
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Offices staffed with friendly local credit counsellors
Have A Question? Let’s Talk
Fill out the form below and one of our debt specialists will contact you to help you with your situation.