Debt consolidation is the process of combining your debts into one loan with a lower interest rate. Instead of having multiple debt payments each month, you’ll only have one. This process allows you to reduce the total amount you owe to your creditors.

• Talk to a trained credit counsellor to evaluate your current situation.
• Identify the right debt solution for your needs.
• Develop a payment plan that fits your budget, so you can stop struggling to keep up with your bills.
• When necessary, we'll negotiate with your creditors to reduce or eliminate interest charges so you can get out of debt faster.