Excluding mortgage and car loan

$

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Bankruptcy

$200 /month

Total: $1800.00

  • Minimum administration fee, over 9 months
  • Legislated debt settlement
  • Stops all creditor collection action and interest charges
  • Lowest cost option
  • More information | Book appointment
  • Minimum administration fee, over 9 months
  • Immediately stops all creditor action and interest charges
  • No application required, everyone is approved
  • Federally legislated process
  • Assets may be affected
  • More information | Book appointment

Consumer Proposal

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  • 35% of total debt, over 60 months
  • Legislated compromised debt settlement
  • Eliminates interest
  • Stops any creditor collection action
  • More information | Book appointment
  • 35% of total debt, over 60 months
  • Immediately stops all creditor action and interest charges
  • Avoid bankruptcy and protect assets
  • Settlement requires creditor approval
  • Federally legislated debt settlement process
  • More information | Book appointment

Less feasible

Not feasible

Debt Management Plan

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Total: {{ calculation.debtManagementPlan.total | currency }}

  • Total debt + 10% admin. fee, over 60 months
  • Non-legislated debt settlement
  • Reduces or eliminates interest
  • Does not stop creditor collection actions
  • More information
  • Total debt + 10% admin. fee, over 60 months
  • Does not stop legal collection action/wage garnishment
  • Creditors are not required to participate
  • Reduces or eliminates interest charges
  • Unlegislated debt settlement process
  • More information

Not feasible

Consolidation Loan

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Total: {{ calculation.consolidationLoan.total | currency }}

  • Total debt + 8% interest, over 60 months
  • Lower monthly payments by reducing interest costs
  • You must be able to qualify for the loan you need
  • No negative effect on credit rating
  • More information
  • Total debt + 8% interest, over 60 months
  • Difficult to qualify for without an excellent credit rating
  • Required payments may be unaffordable
  • Not a complete solution unless all debts are included
  • May require co-signer or collateral
  • More information

Not feasible

Dig Out

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Total: {{ calculation.directPayment.total | currency }}

  • Total debt + 19% interest, over 60 months
  • Pay each creditor directly
  • Maintain credit rating
  • More information
  • Total debt + 19% interest, over 60 months
  • The required payment is unaffordable
  • More information

The information provided is for illustrative purposes only. Actual amounts may vary. For actual amounts, please book a free consultation.

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