[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ _module_preset=”_initial” background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/discovering-ways-to-consolidate-debt_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” 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animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Debt Consolidation[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Learn how to simplify and reduce your debts.[\/et_pb_text][et_pb_button button_url=”#debt-help-form” button_text=”Get Help Now” button_alignment=”center” disabled_on=”on|on|off” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|desktop” 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Debt is a numbers game, and bringing the numbers down is your goal. Debt consolidation<\/a> combines multiple debts or payments so that you only have one payment to make.<\/p>\n Having fewer payments each month<\/strong> can be a huge relief. On top of that, you can save lots of money<\/strong> if your debt is consolidated at a lower interest rate. However, the thought of borrowing more money to pay off your debt<\/strong> can be scary.<\/p>\n For those who live in Canada, debt consolidation includes many options and services. Read on below and find the right solution that will work best for you.<\/p>\n Want to get debt-free sooner? Call the Credit Counselling Society today to find out about debt management solutions.<\/strong><\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/nomoredebts.org\/contact-us” button_text=”Talk to Us” button_alignment=”center” disabled_on=”off|off|off” module_class=”ccs-modal-trigger” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_border_width=”2px” button_border_color=”#2ad13d” button_use_icon=”off” locked=”off” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2ad13d” button_bg_color__hover_enabled=”on|desktop” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section” _builder_version=”4.23.4″ _module_preset=”_initial” custom_margin=”||0px||false|false” custom_margin_tablet=”||||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”1px||19px|||” custom_padding_tablet=”35px||30px||false|false” custom_padding_phone=”55px||||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ _module_preset=”default” width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2025\/04\/consolidating-debts_2colm.jpg” alt=”A couple working on consolidating their bills and debts with a debt consolidation loan or something like this.” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.23.4″ _module_preset=”default” custom_padding_tablet=”||30px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” ul_line_height=”1.4em” animation_direction=”top” global_colors_info=”{}”]<\/p>\n There are a lot of reasons people want consolidate their debt<\/a>:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Section” _builder_version=”4.23.4″ _module_preset=”_initial” background_color=”#e4f8e0″ custom_margin=”||||false|false” custom_padding=”150px||0px||false|false” custom_padding_tablet=”100px||||false|false” custom_padding_phone=”70px||||false|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” top_divider_height=”200px” top_divider_height_tablet=”100px” top_divider_height_phone=”100px” top_divider_height_last_edited=”on|phone” bottom_divider_height=”150px” bottom_divider_flip=”horizontal|vertical” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row make_equal=”on” _builder_version=”4.23.4″ _module_preset=”default” width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”||-35px||false|false” custom_padding=”||0px||false|false” animation_direction=”top” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text admin_label=”Make Repayment Simple” _builder_version=”4.27.4″ _module_preset=”default” animation_direction=”top” global_colors_info=”{}”]<\/p>\n Debt consolidation<\/a> can help simplify your finances when you have multiple debts from different creditors with varying interest rates, repayment schedules, and other conditions. With so many differences between each, keeping track of them all can feel overwhelming.<\/p>\n When you merge your debts or payments through debt consolidation, you’ll only have to keep track of one monthly payment. If some or all of the debts you’re carrying have high interest rates, then consolidating them with a lower interest rate will also save you money.<\/p>\n Since there are many different types of consolidation, debt relief is always possible. Below, we break down each type of debt consolidation you can use and its pros and cons.<\/p>\n [\/et_pb_text][et_pb_toggle title=”More” open=”on” open_toggle_text_color=”rgba(2,2,2,0.15)” open_toggle_background_color=”RGBA(255,255,255,0)” closed_toggle_text_color=”rgba(2,2,2,0.1)” closed_toggle_background_color=”RGBA(255,255,255,0)” icon_color=”rgba(2,2,2,0.03)” module_id=”toggleElement1″ _builder_version=”4.24.2″ _module_preset=”default” title_level=”h2″ title_font=”||||||||” title_text_align=”right” title_font_size=”16px” closed_title_text_align=”right” custom_margin=”-20px||||false|false” custom_padding=”0px||0px||false|false” custom_css_toggle_title=”padding-right:25px!important;” border_width_all=”0px” locked=”off” global_colors_info=”{}”]<\/p>\n Many different debt consolidation options are available in Canada<\/a>. We help people discover their options in Alberta<\/a>, British Columbia<\/a>, Manitoba<\/a>, Ontario<\/a>, Saskatchewan<\/a>, Yukon<\/a>, Northwest Territories<\/a>, and Nunavut<\/a>. Keep reading below to see an overview of common options, but you can also see which options may specifically apply to your situation by answering some quick questions<\/a>.<\/p>\n <\/p>\n [\/et_pb_toggle][et_pb_code admin_label=”Code to Close Open Toggle modules (they must remain Open)” _builder_version=”4.23.4″ _module_preset=”default” locked=”off” global_colors_info=”{}”]Common Reasons to Consolidate Your Debt<\/h2>\n
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Make Repayment Simple<\/h2>\n