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Testimonials

I thought this was too good to be true, but within 25 months $28,000 of debt was all paid, the collection calls had stopped, we avoided bankruptcy and kept our home. Thanks to you at Total Debt Freedom.
-Peter,
Oshawa, ON

“After being absent for years, a smile has finally returned to our faces. Thank-you, you are so wonderful. We are so pleased that we are debt free and can resume our life again.”
-Jennifer & Sean,
Ottawa, ON

How to Settle Debt for Half of What You Owe, and Do it in 30 Days

Question: What do you do when you are trying to refinance your mortgage to consolidate your debts but there isn't enough money to pay all those bills in full?

Answer: Use the proceeds of the mortgage financing to settle all the debts owed for less.
This solution is ethical, legal and can completely resolve $78,000 of credit card debt for less then $28,000.

Do not let anyone tell you it cannot be done. We do it for our clients every day, and all these folks were staring bankruptcy in the face only 4 weeks prior to having their debts all settled for less.

Total Debt Freedom has had somewhat of a love affair with settling debt using mortgage refinancing. We are considered top in our field in Canada. To date we have helped mortgage brokers and homeowners alike salvage millions of dollars in mortgages that would have never been approved without our help.

For people who have plenty of equity in their homes and can pay their bills off in full, debt settlement isn't your solution. Get your mortgage closed and pay your creditors in full otherwise you could end up with bigger problems then you bargained for.

Debt settlement and mortgage refinancing works best in situations where you have bad credit but still need to avoid bankruptcy, something like this: lets say you owe $50,000 in credit card debt and your mortgage agent can only get you approved for a $25,000 2nd mortgage to pay off that debt. You would normally have a serious problem, but not with a debt settlement solution.

Total Debt Freedom has resolved problems like these thousands of times by negotiating a huge reduction in the debt. If you can get about half of what you owe out of your home equity, we can usually settle all your debts and that includes the fee for the work.
If you are being harassed by bill collectors then consider how debt settlement and a mortgage can solve your problems.

If you feel it’s time to do something about your debt, and want a free debt settlement consultation then please visit our home page and request a no obligation quote.