Canada Debt Solutions operating hours are between 9AM - 9PM EST, Please call us toll free at 1-800-683-6351 for immediate assistance.

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Debt Relief Options

How it Works

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Debt Relief Options

Consumer Proposals

Debt Settlement

Mortgage Refinance

How It Works

Our dedicated team of Debt Specialists are here to provide you with the best solutions for your financial needs.


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Tailored plan of action for your needs

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  • A quick and efficient sign-up process
  • Application viewed with minutes of submission
  • A free no fee obligation consultation
  • Professional and friendly staff that listens to your unique situations to assess your financial needs
  • A fast turnaround time to determine your eligibility for our programs
  • Customized program to support your financial goals
  • Fast track to your financial freedom

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Frequently Asked Questions

How do I know if Canada Debt Solutions is legitimate?
Canada Debt Solutions is a registered organization with the Canada Revenue Agency and the Province of Ontario in Concord, Ontario. We are proudly certified with the Better Business Bureau, a go-to resource for rating businesses based on performance and trustworthiness.
What is a Consumer Proposal?
A Consumer Proposal is a legally binding agreement between a debtor and their creditors. This agreement allows us together with a Government licensed Insolvency Trustee to advocate and negotiate with your creditors on your behalf. Our goal is to reduce your debt up to 80% and freeze your interest rates at 0%. This agreement is Federally regulated by Canada’s Bankruptcy and Insolvency Act and can be paid monthly for up to 5 years.

This gives you the chance to make one minimum payment towards all of your unsecured debts including credit cards, personal lines of credit, student loans, income tax, medical bills, and more. Without the headache of multiple payments with interest piling up.
Additionally, This program offers you protection from any wage garnishment, Legal action, added interest or penalties.
How is a Consumer Proposal different from Bankruptcy?
A consumer proposal allows you to pay back what is deemed affordable and manageable based on your personal income and expenses, which we will evaluate with great detail and patience. Bankruptcy not only has a greater impact on your credit score and future financial goals, but you may also have to surrender your assets in order to eliminate your outstanding debt.
Does a Consumer Proposal reduce my debt?
Yes, a Consumer Proposal allows us, together with Licensed Solvency Trustees, to negotiate with creditors on your behalf to reduce your debt by up to 80 %. You’ll be able to repay the new lowered balance with zero interest, fees, or additional penalties. There is no minimum payment term. Maximum time to pay off a Consumer Proposal is five years. This means that you can pay off the balance as quickly as you are financially able to do so.
Does a Consumer Proposal affect my credit score?
Our motto is one step back, two steps forward. Once you have entered into a Consumer Proposal, it will reflect on your credit history with the Credit Bureau of Canada and Collections. The great thing about a Consumer Proposal is that it will only stay on your credit report for up to three years after your last payment. Maintaining a good payment history on unsecured debt while making proposal payments will help to rebuild your credit after the fact. We will also assist you with obtaining a secured credit card and tools for fast and efficient credit rebuilding.
Can my wages be garnished During a Consumer proposal?
No, When entering any of our programs we take extra steps to make sure you are protected from all forms of garnishment penalties or added interest.

Striving for your financial freedom