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Achieve Debt-Free Living in 5 Simple Steps 🌟
FinanceTalk's Debt Relief Program
FinanceTalk and our partners are dedicated to providing debt relief to Canadians. Our nonprofit consumer credit counseling organization is set to help thousands of consumers rid themselves of the unnecessary burden of debt. Our services consist of debt consolidation, credit counseling, student loan counseling, bankruptcy certificate provider and more. If you need direction with your finances you can feel confident that we have the solution.
We help all over Canada!
Debt Relief is available to any individual, regardless of their financial situation. However, households in financial crisis as well as individuals, couples, college students, seniors, and all others hoping to find trusted educational and counseling programs for their personal finances, typically benefit the most.
Consolidate Your Debt Today
Speak with a Certified Credit Counselor and get the debt relief you need.
STEP 1 - PRE QUALIFICATION
Share a few details to get started.
By clicking “Submit for Assessment” I consent to receive calls, and text message offers/information from FinanceTalk using an autodialer/pre-recorded message at the number I provided. I understand that msg/data rates may apply and that my consent to such communications is not a requirement for purchase.
HOW DEBT RELIEF WORKS
Our debt relief programs begin with a free consultation in order to determine the specific needs of the person seeking assistance. We will address remedial issues such as building a household budget that works, provide free financial resources & guidance, and then decide which course of action would be best to take.
If during the consultation, a debt relief plan is found to be a workable solution, the following steps explain how the program works:
- Debt accrued, such as credit card, medical, collection, or other unsecured debts are consolidated into one, typically smaller, monthly payment and sent to creditors once they accept a proposal.
- The account, if it’s open and is a revolving line of credit, will be closed to further charging and to be paid off in an expedited manner.
- Once an account is paid in full, the overall monthly payment remains the same, and the additional funds are distributed to the next account (typically either the next lowest balanced account or the next highest interest rate affected account) in order to pay the total debt down as quickly as possible.
Ten Signs That You Need Debt Relief
Answering the following yes or no questions can help you determine if you have are currently facing a problem with debt.
- Do you use a large or increasing portion of your monthly income to pay your debt? Ideally, you want to have no more than 20% of your monthly income applied to the debt.
- Are you only able to make the minimum monthly payments towards your credit card or loan payments each month?
- Do you divert money to pay for bills that were intended for other things?
- Are you carrying high balances on your credit cards? Are they near or at their limits?
- Do you have to use your savings to pay bills?
- Have you been contacted by a debt collector or credit card company regarding delinquent accounts?
- If you have an unexpected need like a doctor or dentist visit, would you have to put it off?
- If you or your partner were to unexpectedly lose your income would you find yourself in financial trouble right away?
- Are you currently, or have you considered, working a second job to get by?
- Do you feel stressed or worried when thinking about money?
How to Receive Debt Relief anywhere in Canada?
We invited you to enter your information and submit it to us through our website.
Our business hours are:
Mon – Fri: 10 AM – 2 PM Vancouver
STEP 2: Book An Appointment with Us
Documents Guide:
1. File Name Should be LastName_FirstName_DocumentTitle
Upload Budget and Balance Sheet at the same time
STEP 3 : Complete Budget Form
STEP 4 : Complete Balance Sheet Form
STEP 5: Submit Documents
Documents Needed for Application
Driver's License
SIN
Car Registration (If applicable)
Mortgage Statement (If applicable)
Void Cheque
Child tax benefit (statement or show a bank deposit)
Statement of bills for the owings
Current paystubs (you and spouse)
Investment statements (RRSP, GRRSP, TFSA)
Affidavit of Cash Income (if applicable)
Submit Documents
Submit Documents (PDF AND JPEG FORMAT)
*File Name: LastName_FirstName_DocumentType
STEP 6 : Help a Friend, Refer them to us
