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Debt consolidation

Debt is a reality for many Canadians. If you are in a difficult financial situation and are struggling to pay off your debts, debt consolidation may be a solution.

However, if you have bad credit, it may be more difficult to get a loan to consolidate your debts. Fortunately, there are solutions for Canadians with bad credit.

Debt consolidation

Debt consolidation requires you to approach a financial institution to obtain a loan that will cover all your debts.

Who should consider debt consolidation?

A person with a good credit history could benefit from debt consolidation. However, the company will have to be able to persuade an institutional lender to make a loan covering the total amount of its debts.

How do I get debt consolidation?

To consolidate your debts, you must apply to your financial institution.

Schedule a meeting with one of our



Without commitment. Confidential.

Bankruptcy or debt consolidation?

Debt consolidation is a solution that allows you to consolidate all your debts into a single loan at a more advantageous rate. This solution is more flexible than bankruptcy and allows for better access to credit.

So, depending on your situation, if you still have acceptable credit, debt consolidation may be a better option than another.

Do you have any questions? We have the answers.

What types of debt can be consolidated?

Any type of debt can be consolidated except for mortgages. So we think here:

  • Credit cards
  • Electricity
  • Mobility
  • Internet, etc.

Have you calculated your debt ration? This one might help you paint a clear picture.

We have developed a tool to help you answer this question quickly.

Do I need to have a good credit history?

Since this is a loan, you will need to have a good credit history as well as a good ability to repay. You must also have a stable income. If you are not in this situation, you should probably consider another avenue.

What is a consolidation loan?

A consolidation loan is a loan obtained from a financial institution that consolidates all your debts and allows you to make only one payment per month.

Does debt consolidation affect my credit?

It should be noted that any application for credit affects your credit report. Since a debt consolidation loan is a loan, it will affect your credit report. Any denied credit application has a negative impact on your credit rating.

Consult our professionals to find out THE solution for your financial situation.

All our solutions

Do you want to take control of your finances and leave with your head held high?
We are here to accompany you through this ordeal.

Declaration of bankruptcy

Get out of debt
and get back on track financially.

Consumer proposal

Avoid bankruptcy and eliminate
up to 50% of your debts.

Debt consolidation

Get a loan from a financial institution and combine all your debts into one payment.

Voluntary deposit

Also known as the Lacombe Act, voluntary deposit is a provincial legislative provision that allows you to pay your debts in full over a period of time.

Refusal of an insolvent estate

Refusal of succession is the possibility for an heir to refuse the succession, i.e. to accept or refuse to inherit the property of the deceased.

For companies

Commercial bankruptcy is a procedure established by law to allow companies in financial difficulty to restructure and continue their activities.

Nos appels et rencontres sont 100% confidentiels et une consultation n'affecte pas votre cote de crédit.