A Debt Settlement Plan With
Total Debt Freedom

Total Debt Freedom believes the best solution is to deal with most serious debt problems is through the settlement of debts, not a new debt consolidation loan. This way you are dealing directly with the problem rather then creating new ones.  Debt consolidation loans at 35% interest are a lucrative business for lenders and can be obscenely profitable.  We suggest staying well clear of expensive loans. The only time you should consolidate debt is long before your credit goes bad. But once your bank turns you down, debt consolidation can be an expensive and almost impossible route to getting out of debt.

How Debt Settlement Works at Total Debt Freedom

Our debt help program, also known as debt negotiation, debt reduction or debt settlement, is an aggressive approach to getting you out of credit card debt.  It is appropriate for people with unsecured debt from $10,000 up to $500,000. Our program is affordable and custom tailored to each of our client’s ability and resources to settle.

Our program is so effective that most of our clients find that upon completion they have become debt free in 3 years for considerably less than what they owed when they started, and that includes our fee.

According to bankrate.com’s credit card calculator someone with only a $10,000 credit card debt at 18% interest would take nearly 58 years to pay off this debt off assuming that person sticks to the minimum payment each month. Total interest paid during that time would be $28,931 plus the $10,000 original balance.  Since September 2010 the Canadian government has forced changes to the way your credit card statements look, now they need to disclose the true cost of just making minimum payments, you can see examples here.

Call us today to find out if you can qualify, and get an estimate on what your savings could be. All you need to get a free quote is a recent statement from each creditor so you know how much is owed and a few minutes of your time.

Types of Debt That Qualify For Our Debt Relief Program

Unsecured Debt Includes:

• Bank Credit Cards
• Department Store Credit Cards
• Retail Store Credit Cards
• Unsecured Personal Loans or Lines of Credit
• Auto Loans or Leases where the vehicle has been repossessed
• Unsecured Business Debts and more

The Following Debts Are NOT eligible for our debt settlement program:

• Student Loans and Taxes
• A Mortgage
• Payday Loans
• Car Loan or Lease where you still drive the vehicle
• Secured Loans or Lines of Credit

What are the other options

There are three main alternatives to our plan: debt consolidation loans, bankruptcy, and credit counselling.

Find out more

If you would like to learn more about debt relief, or want to get a free quote on how our program works, we invite you to take a few minutes and talk to our friendly debt consultants today at (866) 833 1992.