FAQ

It depends on the solution you move forward with. For instance, a consumer proposal will impact your credit rating, but it’s usually far better than continued missed payments or filing for bankruptcy. We’ll explain the advantages and drawbacks of every option so you can choose what’s best for your situation.

Yes! Most people qualify in some way. We offer a range of debt solutions designed to meet different financial situations. Our trained team will review your circumstances, outline the options that fit your needs, and guide you toward the best path forward.

Absolutely. We work with clients across all credit backgrounds — including those with poor or no credit history — and can help you find the debt or loan solution that fits your situation.

We do charge a fee for our services, but it’s built directly into the repayment plan of whichever program you choose. Your financial well-being is our top priority, so in most cases we can structure the repayments into smaller, more manageable amounts spread out over a longer period.

We support a wide range of loan types, including personal loans, home equity loans, auto loans, farm loans, and business loans — even for those who are rebuilding their credit. We work with a network of lenders who specialize in flexible and accessible financing solutions.

Yes. Once you enroll in one of our programs, collection calls and wage garnishments will stop. Your creditors will be legally required to cease all contact and collection actions against you.

It’s easy — you can call us, send a message, or fill out our online form. One of our specialists will reach out to understand your situation and guide you through the next steps with no pressure and no obligation.