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Testimonials

Thanks for your hard work, it only took me 4 weeks to be debt free and the results were incredible. The creditors stopped calling almost immediately and I saved over $54,000. I sleep much better at night now.
-Doug,
Toronto, On

I didn’t qualify for a loan, credit counselling took too long and I wanted to avoid bankruptcy. Debt settlement was the way to go and wiping out my $36,000 debts in 3 years is the proof. Thanks!
-Alan,
Winnipeg, MB

Why Us

We are the only Canadian debt settlement company that has heavily invested in debt negotiation technology so we can offer affordable 12-36 month plans
On average, our 36 month program can increase your cash flow by 21%
We have three times more experience over our nearest Canadian competitor in the debt settlement arena
75% of our staff are former collection industry insiders, so we know our stuff
When compared to American debt settlement companies we have three times more customer care agents per 500 clients allowing a more prompt and personal service. In fact our back end negotiators are so good we negotiate settlements for our corporate affiliates.
We talk about all aspects of our program before you enrol, and our contract is easy to understand so all of our clients know exactly what to expect
We have an “A” rating with the Better Business Bureau with less then 0.00132% of our clients ever lodging any complaint against us

Thousands have trusted us to help them avoid bankruptcy and get a fresh start with their personal finances for a reason. Our experience and proven track record will ensure results for you. Give us a call toll free at (866) 833-1992 or fill out our On-Line Form to see how you can get relief from your credit card debt today

About Total Debt Freedom

We realize the importance money plays in people lives and how being debt free creates options and a more comfortable lifestyle.

We also recognize the stress and anxiety credit card debt can create and how difficult it can be to deal with. Our goal is to get our clients out of financial hardship and back onto solid financial ground through our debt relief plans. We apply the highest standard of ethics and integrity to our business. As such, we fully understand and respect the needs of our clients and aim to provide solutions for those needs with passion and commitment.

Here is our Painted Picture (PDF) of what Total Debt Freedom will look and feel like by the end of 2012.

Our Company

Total Debt Freedom was founded in 2004 and is licensed and bonded by the Ministry of Government Services Consumer Protection Branch. Our debt negotiators hold a CDA (certified debt arbitrator) designation from the International Association of Professional Debt Arbitrators. Account executives negotiating settlements for cash strapped homeowners are required to complete the mortgage community’s financial services underwriting course (FSU101) for greater proficiency when the settlement money is coming from the proceeds of mortgage refinancing.

The Canadian Association of Accredited Mortgage Professionals has sought after and authorized a training course developed by Total Debt Freedom for mortgage professionals to help them resolve mortgage application turndowns with our debt settlement services.

Our Founder

Our Founder and CEO Richard Cooper has over 15 years of debt management experience, is a former collection industry insider and has contributed to several articles relating to consumer debt in Canada. Mr. Cooper has also been featured on the front page of the Toronto Star’s Business Section, quoted in Maclean’s magazine, Canadian Mortgage Professional magazine and been a guest on The Riley Alternative on Rogers Television. Cooper is also an accomplished and sought after speaker on the subject of consumer debt, credit and collections.

Responsible Leadership

Total Debt Freedom is committed to raising standards in the Canadian debt settlement industry. We recognize the needs of our clients and balance those needs with the creditors need to recover unsecured debt in the fastest manner possible.

In The Community

We have a proud history of supporting organizations that focus on improving the social fabric of our community. Our support is twofold: 1) We focus on sponsoring local events or activities that contribute to or benefit the lives of children 2) We also sponsor events that contribute to our local community’s economic growth and development. For more information about sponsorship please email us at info@totaldebtfreedom.ca

Richard Cooper (top row center) seen with Grandmaster Song Yeug Rim’s black belt class. Total Debt Freedom was title sponsor for the T1 Taekwondo Championship on May 30th 2009.