How We Help

Today, credit cards are commonly used as a form of payment, the problem arises when you can’t afford to cover the monthly statement and interest is accrued.

The ease of access to credit cards makes them a popular product to have, although the industry average for interest rates on credit cards is 19.99% (with some companies charging up to 29%) making it very difficult to climb out of higher amounts of debt. If you are in a position where you can only afford to make minimum interest payments on your products, it’s time to take action.

If you’ve ever needed money fast and your credit score isn’t where it needs to be, these probably sound familiar. We understand certain circumstances lead to the need for an injection of cash right away.

In some cases, consumers are not even aware of the terms of their loans, how much interest can be applied, and the penalties for a missed payment, due to the stress and anxiety they are under at the time. If you cannot keep up with your payment schedule, are making payments but can’t seem to bring your principal balance down, or constantly receive annoying creditor calls – let us help you break the cycle.

Whether you have a business or personal ‘unsecured’ line of credit, we have options. Sometimes a LOC can be a good way to supplement your cash flow or consolidate other credit products, as they typically carry lower interest rates.

However, in situations where you have reached the limit on your LOC and struggle to bring down your debt ratio (the amount of available credit vs your balance owing) below 30%, this product will begin to negatively affect your financial standing.

Let’s be honest – it’s never fun to owe the Canada Revenue Agency (CRA). Falling behind on your taxes, not being able to pay your HST, or owing large sums after filing due to penalties, can all be daunting. The good news is, there is help available for those who qualify.

You will simply need to go through a quick assessment with one of our specialists to see if we can reduce your monthly payments, or even your overall amount owing – while protecting your assets – through our federally regulated programs.

Starting your career with student loan debt can be a tough ask. Though there are possibilities of repayment assistance to those who are eligible, paying off large portions of debt while trying to become financially independent is not an ideal combination.

If you have either provincial or national student loans and have been out of school for more than 7 years, you may qualify to have up to a 70% reduction on your total amount owing, at 0% interest. If you’ve had a student loan impacting your credit report for as long as you can remember, we’ll give you the boost you need.