365 Loans

    Debt Relief Canada – Get a Free Consultation

    Struggling with credit card debt, personal loans, or other unsecured debts? Our certified debt relief partners help Canadians reduce what they owe by up to 50% — with no upfront fees and a free, no-obligation consultation.

    Licensed & regulated
    Free 5-min consultation
    Reduce debt up to 50%
    No upfront fees

    How it works: Fill out the form to get matched with a licensed debt relief specialist. They'll review your situation, explain your options, and create a personalized plan — all at no cost to you.

    30–50%
    Avg. debt reduction
    24–48
    Months to debt-free
    100%
    Free consultation

    Powered by our trusted debt relief partner. Your information is secure and encrypted.

    Why Choose Debt Relief Over Other Options?

    Lower Monthly Payments

    Consolidate multiple debts into one manageable monthly payment, often 40–60% less than what you're paying now.

    Stop Collection Calls

    Once enrolled, your debt relief specialist handles all creditor communication. No more stressful calls or letters.

    Avoid Bankruptcy

    Debt relief is a legal alternative to bankruptcy that lets you keep your assets while resolving your debts.

    Licensed Professionals

    Work with provincially licensed and federally regulated debt relief professionals who follow strict ethical guidelines.

    One Simple Payment

    Replace multiple credit card minimums and loan payments with a single, affordable monthly contribution.

    Thousands of Canadians Helped

    Join thousands of Canadians who have successfully reduced their debt and regained financial freedom.

    How Debt Relief Works in Canada

    1

    Free Consultation

    Fill out the form above. A licensed specialist reviews your debts and income at no cost.

    2

    Personalized Plan

    Your specialist creates a debt repayment plan tailored to what you can afford.

    3

    Creditor Negotiation

    They negotiate directly with your creditors to reduce balances and stop interest charges.

    4

    Become Debt-Free

    Make one monthly payment and watch your debt shrink. Most programs complete in 2–4 years.

    Types of Debt Eligible for Relief

    Credit card debt
    Personal loans
    Lines of credit
    Department store cards
    Medical bills
    Payday loans
    Utility arrears
    Tax debt (in some cases)
    Student loans (7+ years old)

    Note: Secured debts (mortgages, car loans) are generally not eligible for debt relief programs. Your specialist will clarify which debts qualify during your free consultation.

    Frequently Asked Questions

    A debt relief program helps Canadians reduce or restructure their unsecured debts through negotiation with creditors. Licensed professionals work on your behalf to lower total amounts owed, reduce interest rates, and create manageable monthly payment plans.
    Most Canadians with $10,000 or more in unsecured debt (credit cards, personal loans, lines of credit) qualify. You must be experiencing financial hardship, such as difficulty making minimum payments, and be willing to commit to a structured repayment plan.
    Yes, entering a debt relief program will temporarily impact your credit score. However, if you're already missing payments, your score is likely declining. Once you complete the program and debts are resolved, you can begin rebuilding your credit immediately.
    Canadians typically save 30–50% on their total unsecured debt through relief programs. The exact amount depends on your total debt, types of creditors, and the negotiation outcome. A free consultation will give you a personalized estimate.
    Most debt relief programs in Canada take between 24 to 48 months to complete. The timeline depends on your total debt amount, how much you can contribute monthly, and the terms negotiated with your creditors.
    No. Debt relief (also called debt settlement or a consumer proposal) is an alternative to bankruptcy. It allows you to resolve debts while keeping your assets, and it has a less severe long-term impact on your credit report compared to bankruptcy.

    Disclaimer: 365 Loans is not a lender or debt relief provider. We connect Canadians with licensed debt relief professionals through our trusted partners. Debt relief services are provided by third-party companies. Results may vary based on individual circumstances.

    By submitting the form above, you consent to being contacted by a licensed debt relief specialist regarding your debt situation. Your personal information is handled in accordance with our Privacy Policy.