warning signsWarning Signs

  • Your Credit cards and other lines are all maxed out.
  • You only pay the minimum balance due on credit cards.
  • Once you have paid off a credit card, you immediately start charging on it again.
  • You pay bills and rent with credit cards or loan money.
  • You take cash advances or use credit cards to pay bills or go out.
  • You don’t have any money left over after your bills are all paid for the month.
  • You don’t have any savings or emergency funds set up.
  • You can’t sleep and feel stressed about money.
  • You don’t know how much debt you have.
  • You bounce cheques.
  • You cannot seem to get out of your overdraft.
  • You have been denied credit.
  • Collectors are hounding you.
  • You are lying about money to friends and family.
See more

debt calculator iconRelief From
Debt Calculator

How much do you owe?

(Not including mortgage or car payments)

Reduce your paymentsReduce Your Payments

reduce your payment

Start FreshStart Fresh

start fresh

Download FormsDownload Forms

Download Forms

Relief from Debt TipsRelief from Debt Tips

Payday Loans: Break the Payday Loan Cycle

Experiencing a financial emergency or finding that your pay cheque is simply not stretching to the end of the month and you’re short on cash? Resorting to payday loans is rarely a solution to your financial difficulties. Read on to find out more about payday loans, how you can get caught Read More

How Debt Affects Your Life

How is Debt Affecting Your Life? A recent National survey has found that 47% of Canadians believe debt has a negative impact on their lives including sleep problems, frustration, embarrassment, relationship difficulties and a feeling of not being able to move forward in life. Millennials and Debt In the survey it was noted that Read More

Get more tips

Download FormsDownload Forms

Download Forms