Review (May 2024) – Pros, Cons, Features, & Pricing

Have you been finding it difficult to pay your bills month after month or finding it hard to keep ahead of all your debts? According to recent statistics, more than half of Canadians have reached within $200 of insolvency in 2021, a five-year high.

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Last Updated: May 13, 2024

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If you are among the number of those who have accumulated too many debts and are struggling to cope with them, review offers you a plausible way out. Having helped thousands of Canadians to manage nearly $2.2 billion, can boast as one of Canada’s debt help and management sites.

With a mission to help Canadians get out of debt and educate them about how to improve their financial health, the company has established itself as a key stakeholder in the financial industry.

Customers are educated on topics such as debt consolidation, debt settlement, consumer proposal, credit counseling and even filing for bankruptcy. helps customers understand how to choose from different debt-relief options as well as offering unsecured debts.

What makes a good option?

If you want unbiased financial education and counseling, with personalized tips and expert guidance, you will find a very viable option.

The company offers an online platform to compare between different available options and connect with several financial experts. The company runs an integrated service that provides well-researched information to help customers make informed financial decisions.

In addition, debt calculators available on the online platform helps you analyze your savings and calculate how long it will take for you to reach debt freedom.

Also, the company has many positive reviews from several previous customers, as well as good standing with current users. With user privacy and customer data security top priorities, is arguably a great option for you.

Pros and Cons of

When looking to patronize any brand, it is always good to consider the pros and cons before making a final decision. Below are some of the factors to consider before you choose


Below are some of the benefits of using

  • Easy application process: To get started with is straightforward. Once you visit the application portal and fill out the application form, you will be contacted by professional debt specialists or credit counselors within 24 hours.
  • Understanding of debt relief: If you are neck-deep in debt but do not know how to get started, has several tools to help you come to terms with different debt relief options.
  • No credit discrimination: does not discriminate against low credit scores or people with no credit history. Even if you do not qualify for personal loans, there are other debt settlement options such as debt management programs and consumer proposals.
  • Assistance with negotiation: does not provide its debt relief services directly. Instead, the company has partners who specialize in negotiating different plans for debt settlement, creating personalized structures for debt repayment, and brokering lower loan interest rates. According to, these services can help you get out of debt within a maximum of four years.
  • Affordable interest rates and repayment plans: As long as you have managing your debts, it does not matter what debt relief plan you choose. Local negotiators help you broker lower interest rates and lower monthly repayments. This helps you ease the burden on your monthly income and budget, giving you a little more flexibility in handling your finances.
  • Free services: On, the application process as well as different services, including calculators and debt relief information, are offered for absolutely no fees. As you go along on the debt-relief journey though, you may have to pay some additional fees.


While there are a lot of advantages to using, there is equally much to wish for about the platform’s services.

  • Limited services: Sadly, offers debt negotiation services for unsecured debts only. If you have incurred secured debts such as student loans, HELOCs, tax or government debts, and others, there is virtually nothing can do to help you.
  • Bad for credit score: Choosing to do a debt settlement, opting for consumer proposals, entering a debt management program, or filing for bankruptcy significantly damages your credit score. All of these services are offered by, meaning using’s services may not be so nice to your credit score.
  • Additional fees: Although does not charge any fees on application and some of its services, you may be required to pay extra fees as you progress in the entire process.
  • Few specialists options: only showcases a select group of local debt specialists. While this may help you focus and make choices quickly, it ultimately closes your eyes to other equally competent or even more qualified advisors.

Quality of’s services

There seems to be a global consumer satisfaction with, with the company rocking a 4-star rating on Trustpilot. The company offers a wide range of competitive services online, including debt settlement and debt consolidation. The company runs its services online and it has proven to be a solid success since its creation.

Types of services offered by majorly provides debt-relief options, debt calculators, an online blog, and other helpful resources.

Debt relief options offered by include:

Debt settlement

As a basic introduction, debt settlement involves you hiring a debt settlement service to help you negotiate better rates with your lender. They may also help you negotiate with the lending service to forgo some part of your debt.

So if you are in a precarious financial situation with overdue payments, you may have to turn to a debt settlement service to help you find a common ground with your lenders.

Usually, to settle a debt, you offer your lenders a lesser sum of money than you owe and let your debt settlement broker do the rest.

There are lots of debt settlement companies out there, and the sheer quantity of them may complicate your attempt to choose from which one of them to go with. 

This is where comes in – helping you find a suitable debt settlement company and connecting you with competent debt relief negotiators. The debt settlement company then gets in contact with your creditor and finds a way to relieve the fiscal burden on you.

You have to pay the debt settlement a certain percentage of the total debt you are trying to settle. Also good to note is the fact that doing a debt settlement has an unwholesome impact on your credit score, although not as bad as failing to repay loans or filing for bankruptcy.

Debt consolidation

This is a type of installment payment scheme in which all your unsecured debts are lumped into a single payment with one creditor. Usually, debts are consolidated by obtaining a fixed interest personal loan and using the funds obtained to pay off other loans and unsecured loans.

Using this approach helps you pay off loans at the lowest possible rate and also makes repayment easy. gives you advice on how best to consolidate your loans, as well as help you locate the best deals.

Credit counseling

This involves looking carefully at your finances, guided by a financial expert. During this process, you carefully evaluate your income and expenditure and then craft a long-term debt resolution plan. This plan is focused on getting you out of debt and keeping you out of it for good.

It may also include bargaining with your lenders to decrease interest rates on your loans. Overall, it is just a way to generate an expert-reviewed long-term debt exit plan.

Consumer proposal

This is a debt management strategy that involves employing the services of a Licensed Insolvency Trustee [LIT] to help you file a consumer proposal. This helps you pay significantly less than you owe, sometimes reducing your debt by as much as 70% to 80%.

Sometimes, you may be able to extend your repayment over a much longer period, such that you have lesser monthly payments to make.

Using a consumer proposal also has negative effects on your credit score. To be remotely qualified, the major conditions are that your debt must be unsecured, and you must owe less than $250,000 in total.


Although filing for bankruptcy is the last resort at any point in time, debts may sometimes become completely unmanageable. This is particularly common in unexpected major life situations such as job loss, chronic illnesses, divorce, or bereavement.

In situations like this, helps facilitate the filing process by connecting you with a Licensed Insolvency Trustee [LIT]. Filing for bankruptcy has a very bad impact on your credit score and may come at a heavy financial cost.

In addition, has different debt calculators such as debt repayment calculator, debt consolidation calculator, credit card debt calculator, debt to income ratio calculator, and guilt calculator. These tools help you determine how much time it will take you to become free of debt.

Other resources include an online blog that features informative articles on important financial topics. This helps educate you about important steps to take and guides you to make informed financial decisions.

Cost of’s services

There is virtually no cost to using’s services. The application process, as well as several tools available on the website, are free of charge. However, you may have to pay for additional services as you advance through the debt relief process, especially as you get closer to a debt specialist or credit counselor.

The amount of additional fee you have to pay depends on what debt relief package you choose. To be on the safe side, always do due diligence to confirm additional charges before moving ahead with any debt relief option.

Is insured?

While offers no clear-cut insurance policy, counseling services and debt relief specialists may provide third-party insurance protection.

Is it safe to use’s products and services?

The main feature of’s services is the attention to customer privacy and information security. uses high-standard security technologies to ensure that sensitive user information and credentials do not fall into the hands of unauthorized third parties. also has robust physical, organizational, and contractual security measures to keep your personal information secure. The company also claims to regularly review and improve on its security technologies, to keep up with advancements in the internet security industry.

Are there promotions and discounts?

No. There is no information about promotions or discounts for any of’s services. Most of the services offered by the company are free, except for some additional fees that may be accrued during the debt relief process.

How about the customer service? has a central headquarters office located in Vancouver, British Columbia. In addition, customers can reach support staff via email addresses available on the website. There is also a request form that you can fill to have your complaints or questions forwarded directly to a financial expert.

How to get started with

To start with, does not offer direct services. Rather, the platform helps you find debt relief professionals or credit counselors near you. To start using’s services, below are the steps to follow.

  • Visit
  • Adjust the slider on the homepage to indicate the amount of loan you owe, from $5,000 to $100,000, and click Get Started.
  • On the next page, pick an honest estimate range for your credit rating. This ranges from Excellent [740 or more] to Poor [580 and below].
  • Then answer the homeowner question as appropriate.
  • Provide your postal code. This helps the algorithm to find the debt relief specialists that are nearest to your location.
  • Provide other important details such as your full name, phone number, email address, and the amount of debt you owe.

On applying, you will receive an email from containing your savings estimate and available debt relief solutions. Submitting the application also sends your information to appropriate debt specialists or credit advisors. These specialists contact you within one business day to chat about the options available to you.

Alternatives to

If for any reason you are s to explore other options other than, below are some of the most popular alternatives. They include National Debt Relief Services and Bromwich and Smith, among many others.

National Debt Relief Services is one of Canada’s most trusted brands when it comes to hardship and debt relief. According to the company’s website, you can learn how to reduce your debt by nearly 75% within 3-5 days.

Like, National Debt Relief Services helps you estimate your savings and determine how much of your debt can be written off. There is also a debt calculator, as well as other useful tools, to help you reduce your payments and become debt-free within a short period.

Once you are entered into a relief program,  you immediately begin to enjoy legal protection from all possible creditor action, keeping you immune from any legal harassment. Like, National Debt Relief Services offer their online portal for free. However, you can incur additional costs as you go through the debt relief program.

Bromwich and Smith is a Licensed Insolvency Trustee [LIT] that provides strong debt relief solutions to help you reduce your debt to a fraction of the original amount. Of all the available debt-relief options, Bromwich and Smith mainly specializes in offering Consumer Proposals.

The company claims that there are no hidden fees and that payment for their services is taken out of your settlement for your creditors. There is no consultation fee and the company deals in both secured and unsecured loans. Review Conclusion

If you find yourself trying to grapple with different kinds of debt, always remember that there are many other people out there just like you. About 53% of all Canadians are very close to insolvency, with debt points reaching a new peak in the last five years.

Trying to get yourself out of debt may make you go even deeper into it – the process is a tough one. Finding the best solution can present as a Herculean task, which should not be.

Thanks to, you can now access debt relief services for almost free and choose from hundreds of options available. Services offered include debt settlement, debt consolidation, and consumer proposals, among others.

The application process is smooth and quick, taking on the overall about 5 minutes to complete. Similarly, there is no discrimination against bad credit scores or no credit history at all.

With, you also get to learn important financial concepts that help you make more informed financial decisions in a concerted effort to become debt-free. is useful for people who find it difficult to get out of a financial mess, especially the ones with debts they find hard to repay.

If you are looking for how to fix your finances and get more health into your money, gain a vital understanding of debt clearance and money management, we highly recommend that you check out Thanks for reading our review.

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