{"id":8956,"date":"2020-07-17T21:08:36","date_gmt":"2020-07-17T21:08:36","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=8956"},"modified":"2025-03-24T14:40:00","modified_gmt":"2025-03-24T21:40:00","slug":"debt-settlement","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/debt-settlement","title":{"rendered":"Debt Settlement"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ 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\/looking-at-debt-settlement_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” background_position_tablet=”top_center” background_position_phone=”top_center” 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 custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Debt Settlement[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ 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=”{}”]An uncommon way of resolving your debts for less than you owe.[\/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_bg_color=”#2ad13d” 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|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px”][\/et_pb_button][et_pb_button button_url=”tel:1-888-527-8999″ button_text=”1-888-527-8999″ button_alignment=”center” disabled_on=”off|off|on” module_class=”ccs-modal-trigger” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” 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|hover” button_bg_color__hover=”rgba(0,0,0,0)” button_bg_enable_color__hover=”on” 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=”Intro Paragraph” module_id=”uperform-section” _builder_version=”4.21.0″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||150px|||” custom_padding_tablet=”||140px||false|false” custom_padding_phone=”||45px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_popup_slug=”uperform-section” da_disable_devices=”off|off|off” collapsed=”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 _builder_version=”4.22.0″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=”H1 Heading” _builder_version=”4.17.4″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

Debt Settlement in Canada<\/h1>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph Text” _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

Are you worried about how to manage debt but recently got a lot of money, such as from an inheritance, family member, severance package, or insurance payout? When you\u2019re in debt, have money now, and your financial future is uncertain, debt settlement may be an option worth considering. With this option, we negotiate with your creditors on your behalf to settle your debt for a percentage of what you owe as one lump sum. However, this isn\u2019t without consequence. It does hurt your credit, and there are some other things to be aware of too.<\/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=”Know your options (icon menu)” _builder_version=”4.16″ custom_margin=”||||false|false” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” custom_padding=”5px||||false|false” custom_padding_tablet=”23px||5px||false|false” custom_padding_phone=”55px||5px||false|false” da_disable_devices=”off|off|off” collapsed=”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 admin_label=”Heading” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”off|desktop” custom_padding=”2px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ header_2_text_align=”center” global_colors_info=”{}”]<\/p>\n

Alternatives to Debt Settlement<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|desktop” admin_label=”Icon Menu – 3 of 5 icons” module_class=”three-columns” _builder_version=”4.16″ max_width=”810px” custom_padding_tablet=”” custom_padding_phone=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Debt Management Program” url=”\/debt-help\/debt-management-program” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/putting-your-plan-to-action_icon_purple.png” alt=”Putting Your Plan to Action Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” icon_alignment_tablet=”” icon_alignment_phone=”” icon_alignment_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”\/debt-help\/debt-management-program” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”96px” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/putting-your-plan-into-action_icon_green.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Credit Counselling” url=”\/debt-help\/credit-counselling” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/credit-counselling_icon_purple.png” alt=”Credit Counselling Icon” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”\/debt-help\/credit-counselling” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/credit-counselling_icon_green.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Debt Consolidation” url=”\/debt-help\/debt-consolidation” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/solve-debt-problems_icon_purple.png” alt=”Solve Debt Problems Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”\/debt-help\/debt-consolidation” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/solve-debt-problems_icon_green.png”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ admin_label=”Icon Menu – 2 of 5 icons” module_class=”two-columns” _builder_version=”4.16″ width=”100%” max_width=”540px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Bankruptcy” url=”\/debt-help\/bankruptcy” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_purple.png” alt=”Debt Settlement Icon Purple” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”\/debt-help\/bankruptcy” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”96px” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|desktop” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/debt-settlement_icon_green.png”][\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Consumer Proposal” url=”\/debt-help\/consumer-proposal” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/dollar-and-cent-coins_icon_purple.png” alt=”Dollar and Cent Coins Icon” image_icon_width_tablet=”” image_icon_width_phone=”” image_icon_width_last_edited=”on|desktop” _builder_version=”4.16″ header_level=”h3″ header_text_align=”center” header_text_color=”#5b25af” header_font_size=”20px” animation=”off” link_option_url=”\/debt-help\/consumer-proposal” header_font_size_tablet=”” header_font_size_phone=”14px” header_font_size_last_edited=”on|phone” icon_font_size_tablet=”” icon_font_size_phone=”70px” icon_font_size_last_edited=”on|desktop” global_colors_info=”{}” icon_color__hover_enabled=”on|hover” icon_color__hover=”#2ad13d” header_text_color__hover_enabled=”on|hover” header_text_color__hover=”#2ad13d” image__hover_enabled=”on|hover” image__hover=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/dollar-and-cent-coins_icon_green.png”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” next_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ background_color=”#e4f8e0″ custom_padding=”200px||80px||false|false” custom_padding_tablet=”105px||||false|false” custom_padding_phone=”75px||||false|false” top_divider_style=”ramp2″ top_divider_height=”200px” top_divider_height_tablet=”” top_divider_height_phone=”60px” top_divider_height_last_edited=”on|tablet” bottom_divider_style=”wave2″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” 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″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”||44px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/debt-settlement-only-option_2colm.jpg” alt=”Couple looking at their finances and considering filing a consumer proposal to deal with their debts.” title_text=”debt-settlement-only-option” _builder_version=”4.16″ custom_padding_tablet=”||30px||false|false” custom_padding_phone=”” 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″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_padding=”20px||||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|phone” animation_direction=”top” global_colors_info=”{}”]<\/p>\n

When Debt Settlement is an Option<\/h2>\n

If you can no longer make regular, full payments on your debt, or you\u2019re not sure if you\u2019ll be able to make future payments, then settling your debt can be a good option. However, you need to have enough money on hand, otherwise creditors will reject any settlement request they determine is less profitable. You also need to be well-prepared with a truthful and persuasive argument about why they should accept what you\u2019re offering over the alternative, which is collecting the full amount of what you owe.<\/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|tablet” admin_label=”Section” module_class=”custom_row” _builder_version=”4.16″ _module_preset=”default” custom_padding=”||61px|||” custom_padding_tablet=”60px||45px||false|false” custom_padding_phone=”” 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” module_id=”get-cell-phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ custom_padding=”0px|||||” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

What Debt Settlement Covers<\/h2>\n

Debt settlements only work for unsecured debts, which are debts that you haven\u2019t put up collateral for. That’s because creditors have no reason to accept less for your debt when you could just sell the collateral to pay them back, whether that\u2019s your car, house, or other assets. If most of your debts are secured in Canada, then this debt relief program<\/a> is probably not an option worth exploring.<\/p>\n

A debt settlement negatively affects your credit because it allows you to repay less than what you owe. This negative effect will last for 6 years unless you use the debt settlement program and services of a non-profit credit counselling organization like us. Unlike several debt relief companies, when we negotiate a settlement for a client, the effect on your credit lasts 2 years.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/what-debt-settlement-covers_2colm.jpg” alt=”What Debt Settlement Covers” title_text=”what-debt-settlement-covers” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||-35px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_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_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” admin_label=”Section” _builder_version=”4.16″ background_color=”#e7dff3″ custom_padding=”210px||65px||false|false” custom_padding_tablet=”165px||||false|false” custom_padding_phone=”65px||||false|false” top_divider_style=”curve2″ top_divider_height_tablet=”70px” top_divider_height_phone=”60px” top_divider_height_last_edited=”on|phone” bottom_divider_style=”wave2″ bottom_divider_color=”#5B25AF” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” 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” custom_padding_last_edited=”on|phone” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||110px||false|false” custom_padding_tablet=”0px||90px||false|false” custom_padding_phone=”70px||70px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/chosing-the-right-option-together_2colm.jpg” alt=”Debt Settlement Program Works” title_text=”chosing-the-right-option-together” _builder_version=”4.22.0″ max_height=”575px” 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″ animation_direction=”right” custom_css_main_element=”margin: auto;” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.0″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

How Our Debt Settlement Program Works<\/h2>\n

Through our program, negotiating a debt settlement with your creditors will be done by one of our experts on your behalf to come to a settlement agreement amount based on your individual situation. Nobody can guarantee success, but we do guarantee that you\u2019ll only pay us if we succeed \u2013 and any fee we take is part of the lump sum of money you already have. Our success rate is extremely high because we won\u2019t attempt a debt settlement unless we believe it will work. We know what creditors are likely to accept based on many years of experience negotiating Canadian settlements. If we believe that settling your debt is not the best choice for you, we\u2019ll explain exactly why that is and what your other options are.<\/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=”CTA 1 – You’re not alone” _builder_version=”4.14.6″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_padding=”150px||1px||false|false” custom_padding_tablet=”105px||1px||false|false” custom_padding_phone=”120px||1px||false|false” top_divider_style=”none” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_module=”31914″ saved_tabs=”all” global_colors_info=”{}” prev_background_color=”#e7dff3″ 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 custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||140px||false|false” custom_padding_tablet=”||100px||false|false” custom_padding_phone=”||||false|false” animation_style=”fade” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Got debt? Need help?<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

Take this 1-minute quiz to figure out how to get started.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/financial-tools-resources\/debt-quiz-assessment-tool-short” button_text=”Take the Quiz” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_icon=”5||divi||400″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#5b25af” admin_label=”Testimonial – Chris” _builder_version=”4.16″ min_height=”556px” custom_margin=”||55px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”122px||||false|false” top_divider_style=”wave2″ da_disable_devices=”off|off|off” collapsed=”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″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Testimonial” _builder_version=”4.16″ width_tablet=”” width_phone=”80%” width_last_edited=”on|phone” custom_margin=”|auto||auto|false|false” custom_margin_tablet=”” custom_margin_phone=”0px||0px||true|false” custom_margin_last_edited=”on|phone” custom_padding=”147px|0px|0px||false|false” custom_padding_tablet=”30px||||false|false” custom_padding_phone=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/client-bill_testimonial.jpg” alt=”Client Bill” show_bottom_space=”off” align=”center” admin_label=”Chris” _builder_version=”4.22.0″ width=”100%” max_width=”100%” module_alignment=”center” max_height=”385px” custom_margin=”15px|0px|0px|80px|false|false” custom_margin_tablet=”0px|||0px|false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”0px|0px|0px|0px|false|false” custom_padding_tablet=”||35px||false|false” custom_padding_phone=”||0px||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” border_radii=”on|436px|436px|436px|436px” box_shadow_style=”preset1″ box_shadow_horizontal=”4px” box_shadow_vertical=”4px” box_shadow_blur=”21px” box_shadow_color=”rgba(0,0,0,0.15)” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_direction=”bottom” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/05\/Testimonial_speech.png” alt=”Testimonial speech” title_text=”Testimonial” admin_label=”Quotation Mark” _builder_version=”4.16″ transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|phone” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|phone” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|phone” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|phone” transform_styles_last_edited=”on|phone” max_width=”150px” max_width_tablet=”122px” max_width_phone=”116px” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”-30px|0px|-30px|0px|true|true” custom_margin_tablet=”-30px|0px|-30px|0px|true|true” custom_margin_phone=”-25px|0px|-25px||true|false” custom_margin_last_edited=”on|phone” custom_padding=”0px|42px||42px|false|true” custom_padding_tablet=”0px|50px||0px|false|false” custom_padding_phone=”40px|60px|0px|0px|false|false” custom_padding_last_edited=”on|phone” filter_opacity=”30%” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_image][et_pb_text content_tablet=”<\/p>\n

I feel like I can breathe again<\/h2>\n

” content_phone=”<\/p>\n

I feel like I can breathe again<\/h2>\n

” content_last_edited=”off|desktop” admin_label=”H2 Heading” _builder_version=”4.16″ header_font=”|600|||||||” header_text_align=”left” header_text_color=”#5b25af” header_font_size=”42px” header_line_height=”1.3em” header_2_font=”Work Sans|600|||||||” header_2_text_color=”#5b25af” header_2_font_size=”42px” width=”94%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” module_alignment=”left” custom_margin=”|0px|0px|0px|false|true” custom_padding=”|0px||89px|true|false” custom_padding_tablet=”|||51px|true|false” custom_padding_phone=”|||38px|true|false” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”left” module_alignment_last_edited=”on|phone” custom_css_main_element=”font-weight: 600;|| font-size: 42px;|| color: #2b2b2b!important;|| line-height: 1.3em;|| text-align: left;” global_colors_info=”{}”]<\/p>\n

Thank you for giving me my life back!<\/h3>\n

[\/et_pb_text][et_pb_text admin_label=”Testimonial – Sandra” _builder_version=”4.16″ transform_translate_linked=”off” width=”100%” width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” max_width=”100%” max_width_tablet=”” max_width_phone=”100%” max_width_last_edited=”on|phone” custom_margin=”15px|0px|0px|0px|false|true” custom_padding=”0px|89px|0px|89px|true|true” custom_padding_tablet=”|0px||51px|true|false” custom_padding_phone=”|40px||40px|true|true” custom_padding_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”” module_alignment_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

I had almost forgotten what it was like to have a good night\u2019s sleep and not wake up stressed about money . . . there are no words to describe my gratitude. Thank you for giving me my life back!<\/p>\n

Bill<\/strong><\/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=”Full Page Width Image with CTA” _builder_version=”4.5.3″ background_enable_color=”off” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_241856009_extra-dark-scaled.jpg” max_width=”100%” min_height=”780px” min_height_tablet=”600px” min_height_phone=”650px” min_height_last_edited=”on|tablet” custom_padding=”228px||1px||false|false” custom_padding_tablet=”150px||1px||false|false” custom_padding_phone=”130px||||false|false” top_divider_style=”ramp2″ top_divider_color=”#ffffff” bottom_divider_style=”wave2″ bottom_divider_color=”#5b25af” bottom_divider_flip=”horizontal” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_module=”11126″ saved_tabs=”all” 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″ custom_padding_last_edited=”on|tablet” admin_label=”CTA Components” _builder_version=”4.16″ background_enable_color=”off” z_index=”0″ width=”90%” width_tablet=”100%” width_phone=”” width_last_edited=”on|phone” max_width=”100%” module_alignment=”left” min_height=”500px” min_height_phone=”auto” min_height_last_edited=”off|phone” custom_margin=”|auto|80px|auto|false|false” custom_margin_tablet=”40px||-45px||false|false” custom_margin_phone=”||30px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”” animation_direction=”top” module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”44px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset1″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Discover your options<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.16″ text_text_color=”#ffffff” text_font_size=”22px” text_line_height=”1.4em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-11px||40px|||” animation_direction=”bottom” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″ global_colors_info=”{}”]<\/p>\n

Between financial difficulty and bankruptcy are many options. Our credit counsellors specialize in helping you explore your options and alternatives to discover which one will work best for you.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Make an Appointment” button_alignment=”center” _builder_version=”4.17.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ z_index=”1″ global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”rgba(91,37,175,0.15)” admin_label=”CTA 1 – You’re not alone” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_margin=”||-1px|||” custom_padding=”71px||50px||false|false” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” 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=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.27.2″ width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|auto||auto|false|false” custom_padding=”30px||||false|false” custom_padding_tablet=”200px||100px||false|false” custom_padding_phone=”200px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|50px||50px|false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

See if a debt settlement makes sense for your situation.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”10px||||false|false” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Contact a non-profit credit counsellor.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.27.2″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”430px” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|||” custom_padding=”25px||25px||false|false” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

Debt settlements are just one of 7 debt relief options available in Canada (5 are available in all provinces). Before deciding to pursue a specific option, it would be wise to speak with a credit counsellor, review your situation, and determine which option is going to help you achieve your financial goals. Speaking with our counsellors is always free and confidential.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Talk with us” button_alignment=”center” _builder_version=”4.27.2″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_use_icon=”off” global_colors_info=”{}” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.27.2″ background_color=”#4e128c” animation_direction=”right” custom_css_main_element=”margin: auto;” border_radii=”on|8px|8px|8px|8px” global_colors_info=”{}” custom_padding__hover=”|||” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_tablet=”margin-top: 80px;” custom_css_main_element_phone=”margin-top: 80px;||margin-left: 20px;||max-width: 360px;”][et_pb_code _builder_version=”4.27.2″ _module_preset=”default” module_alignment=”center” global_module=”50730″ saved_tabs=”all” global_colors_info=”{}”] <\/p>\n