Why Choose Us?
- Get a FREE Financial Assessment
- Learn About Debt Relief Options
- Find A Plan That Fits Your Budget
- Cut Your Credit Card Debt By 50-75%
- Resolve Debts In As Little As 1-3Yrs
Good question. We offer an exclusive government licensed credit card debt relief program where we get your creditors to agree to accept less than what you owe, in exchange for a lump sum payout. This is the process of debt negotiation and we are very good at it, so good in fact our CEO, Richard Cooper, literally wrote the book on it.
Do creditors want to accept less than you owe? Of course not! They want it all, and the interest. Here’s the thing, unlike other debt relief options, Total Debt Freedom is the only one that works exclusively for you. We “get” that bad things happen to good people and we are here to stand up for you, not the credit card companies. In the hands of our skilled negotiators we routinely get your creditors to yeild and accept considerably less than you owe.
With debt service ratios beyond 160% in Canada, many of us find ourselves on a merry-go-round of debt, going around and around in circles, getting absolutely nowhere. Sound familiar? Well you do have options, and one of them is… GET OFF the merry-go-round!
What we do is educate you on your finances, and then set you up on a new plan that you can afford what will get you debt free in 3 years or less. As you save money and raise a lump sum, we negotiate reduced payouts with your creditors. Once we finalize a reduced payout, the agreed upon amount is paid and you are totally debt free. It’s really that simple.
Our exclusive plan can get you free of debt, for less than what you owe today, and on a budget you can afford. There are no credit checks, no requirements for a new loan or home ownership to begin. Our exclusive plan isn’t available to everyone, in fact it’s so exclusive we only approve a small percentage of people that inquire, but if you are the right fit we promise you will be very pleased with our results.
To qualify you must owe at least $10,000 in credit card debt and experiencing difficulty in paying your bills on time. Call us now for a free assessment and see how much you could save.
Not sure it works? Visit our facebook fan page and read just a few of the thousands of love notes we have received from our clients over the years. We could brag about being the best at what we do, but we are a humble team, so we let our clients experience speak for us.
Total Debt Freedom has a simple service guarantee: We promise that upon graduation you will be debt free for less than what you owed on the day you started our program, and that includes our fee. If we don’t, then you pay no fee.
Often advertised as a “free” service; the truth is nobody works for free. Non-Profit Credit Counsellors are funded for the most part by your creditors. Yes, the very people you owe.
They offer no reduction in the amount of debt you owe, but may reduce your interest rate. The total cost to get out of debt can be double the total cost of our program, it puts an “R7” on your credit report, and it often takes 5 years in total. They call this program a debt management plan.
Credit counsellors receive up to 70% of their income from credit card companies. In some cases you are asked to make donation payments on top of that. Credit counsellors also have a board of directors that often include bank employees. So it raises the question, who are they working for? You or your creditors?
For more facts, read this comprehensive blog titled: What is Credit Counselling?
By working with us, you are working with a team that is paid only by you, to get you the best results possible. Unlike Non-Profit Credit Counselling, We never accept compensation from your creditors.
Bankruptcy can be a good option to dealing with debt if you have money problems and no assets, but it’s devastating to your credit and demonstrates complete failure in your ability to manage money. Bankruptcy should be avoided, and really only used for very deep and serious debt problems.
A trustee in bankruptcy can help you with filing for bankruptcy, or a consumer proposal. Only a trustee can offer both but a proposal can run for 5 years, and can do considerable damage to your credit. Many trustees recognize that they make more money off a consumer proposal, so they tend to “sell” more of those programs as a “bankruptcy alternative”. The truth is, a consumer proposal is viewed upon as the same thing as a bankruptcy by creditors.
For more information on what a trustee offers, read this comprehensive blog titled: What is a consumer proposal?
While you may select a bankruptcy trustee, they are an officer of the court and represent the creditors, not you. The trustee is responsible for selling your non-exempt assets and distributing those proceeds to your creditors.
If you are having problems paying off your credit card debts, then contact us about a free evaluation and learn if you can qualify to avoid bankruptcy. If our program isn’t right for your money problems, we are always happy to point you to a trustee in your area for free.
A debt consolidation loan can sometimes be a solution to credit card debt, but it is very different from our debt settlement plan. When you have money problems, getting a debt consolidation loan to pay off your credit card debts often requires a co-signer and/or putting up collateral like a house or car. With a consolidation loan you can end up paying considerably higher interest rates and in some cases these can sometimes approach 35%.
Debt consolidation loans will rarely create any form of debt relief at all, in most cases they aren’t affordable, practical and can put you much deeper in debt. Trying to borrow your way out of money problems is an old antiquated idea that just doesn’t work.
If you have talked to your bank about a loan to get debt help and been turned down, then call us today about a free debt settlement quote. Our approach to debt relief might be right for your credit card debt problems.
If you are serious about getting out of debt and want the best people by your side, then we invite you to take a few minutes to talk with our friendly and experienced debt consultants today. It’s free, completely confidential, there are no obligations and we won’t judge you.
During your phone consultation we will explain how our debt settlement plan works, answer all of your questions and help you understand the other debt relief options out there. You have absolutely nothing to lose but your debt. To get started please call toll free at
(866) 833-1992 or fill out our fast and easy online form to request your telephone consultation.