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Read our 199 reviews
Read our 199 reviews
All consultations are FREE and now available by phone or video conference.
We can help you break the cycle of debt
Credit card debt
Credit card debt can pile up quickly, and high-interest rates make it tough to pay off. We can help you reduce or erase your credit card debt.
Payday loan debt
Payday loans seem like an easy answer, but they usually cause more trouble than they solve. We’ll help you handle payday loan debt.
Unsecured loans
Lines of credit, personal loans, and other debts can be stressful. Let us work with you to solve these debt problems and reduce your stress.
Overdue bills
Can’t get on top of your bills? Struggling with overdue payments? We’re here.
Consolidation loan
Wondering if a consolidation loan can help you tackle your debt? Learn more.
Student loans
Student loan debt can make it tough to move on with your life. Let us help you.
We can help you reduce stress
Stop
Collection Calls
Calls from creditors and collection agencies are stressful and aggravating. We can put an end to these calls and help you get your financial life back on track.
Stop
Interest
High-interest rates make it nearly impossible to pay off debt. We offer solutions that stop interest immediately and give you a plan to repay your debt.
Stop
Wage Garnishment
We stop wage garnishments right away, so you protect and receive your entire pay cheque. Then, we’ll help you tackle your debt and improve your financial life.
How we help you eliminate debt
Consumer Proposals
A consumer proposal can reduce the amount of debt you have to repay by up to 70%.
Bankruptcy
Bankruptcy can erase your debts and put you on a path to rebuilding your financial life.
Payment calculator
A consumer proposal, can reduce what you owe by up to 70%
Good news!
Actual results may vary based on your income, assets and debt. We can help you understand your options better.
Google Reviews
Posted on Google 
Taha El Khalifa Taha
2026-06-04
It was a great experience, I felt like being looked after in a very respectful way.
Posted on Google
Cheryl Lynch
2026-05-20
Everyone has made this matter so much easier than what I expected. Steve, you have a fantastic support team on your side. Thank you so much for your help and support. Sincerely, Cheryl Lynch
Posted on Google
Imran Ahmed
2026-04-28
Steve and his team was a blessing in this difficult phase of my life. Strongly recommended for anyone who has fallen into a debt trap. Thanks Steve Welker, Ammar Hussain and team
Posted on Google
Rithwik Jallepalli
2026-04-21
I am so grateful for finding these people (just via the govt of Canada website) - big shout-out to Ammar and Serena. I can sleep better now and the mistakes of my business venture aren't haunting me anymore. A manageable monthly payment without the stress of assets and collection is a real life line. Thanks again Steve and everyone at the office, your help was invaluable
Posted on Google
Ramin shahlie
2026-04-17
(Steven & Walker), great Company, Professional and reliable, very friendly, and caring , thank you.
Why work with us to eliminate your debt
Licensed by the federal government
99% Consumer Proposal acceptance rate
Served more than 4,000 Ontarians
Founded in 2014
5-star customer rating
A+ BBB rating
No upfront fees
21 Locations across Ontario
Find the closest location