Who We Are

At Full Circle Total Debt Solutions, we help people get out of debt. We fully customize Debt Management Plans to your personal situation and show you how you can put an end to calls from collection agents. Letting us provide you with a Debt Management Plan means you’ll never have to deal with another bill collector. We’ll handle everything.

We handle everything

Our personal approach is your best guarantee of success. We don’t just take your money and tell you how to live! Unlike the big credit counsellors, we give you the personal support you need to get out of debt and stay debt free. We’re always available and ready to help you.

We’re a British Columbia based, owned and operated company that cares about helping Canadians with debt. One simple call to Full Circle Total Debt Solutions, and you’re on your way to becoming debt-free. Let us show you how easy it can be.

Our Vision

To be the most respected provider of Debt Solutions in Canada.

Our Value Proposition

We are your Debt Solutions partner – providing you with practical solutions and ongoing support until you reach financial independence.

BBB (Better Business Bureau) Accredited Business

Since 2007, Full Circle Total Debt Solutions is a system-wide accredited business of the Better Business Bureau. See our BBB Rating.

Proudly Serving Canadians In:

  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Nova Scotia
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Northwest Territories
  • Nunavut
  • Yukon

How To Reach Us

To find out if you qualify call 1-877-220-3328 or fill out the form on your right for a free, no-obligation and confidential debt assessment or simple chat with us.

Find Out If You Qualify

Take the first step toward living debt free. Get a free evaluation within 24 hours:

Safe and Confidential. We will never share your information with anyone for any reason.

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How We Help

We’ve helped over 200,000 Canadians get out of debt. We have over 20 years’ experience providing debt management solutions.

Consumer Proposal

This option is the number one debt relief alternative to bankruptcy in Canada. It’s a formal, legally binding arrangement you make with your creditors to reduce your debts to less than you owe.

Unlike an informal debt settlement, an accepted consumer proposal is legally binding on all unsecured creditors. You also don’t make any payments until your proposal has been filed with the government. Your payment plan is based on your ability to pay, and in many cases, creditors agree to take less than the full amount you owe.

Debt Settlement

This option allows you to negotiate with your creditors to settle your debt for less than you owe. There are two types of debt settlement in Canada: informal, and formal. Formal debt settlement is called consumer proposal.

In the informal version, a debt settlement company typically advises you to stop paying your bills and make payments to them, which go into a debt settlement fund. After a period of time if this fund has grown large enough, the company uses it to try to negotiate lump-sum settlements with your creditors.

Credit Counselling

Credit counselling in Canada can include debt negotiation with your creditors through a debt management plan. Your counsellor contacts your creditors and negotiates an agreement where you repay your debts in full over a period of 3 to 5 years. In return, your creditors agree to stop all collection activity, and in many cases, cancel all future interest.

This type of credit and debt counselling can help you pay off your debt sooner by eliminating penalties, fees, and interest on credit card debt, and consolidating debt payments into one easy monthly payment.

Bankruptcy

This option is a last resort. If you don’t have sufficient resources to make even partial payments or you can’t reach an agreement with your creditors, your final option is personal bankruptcy.

When declaring bankruptcy Canada law states that a licensed trustee administers the process. You make payments based on your income for up to 21 months, and you may lose some of your assets. When the process is finished, all of your eligible unsecured debt is discharged in full and you can start fresh.

Need expert help with your debts?

At Full Circle Total Debt Solutions we’re happy to answer all your queries.

You need debt management help? Then please feel free to call us on 1-877-220-3328 or click below for a debt help request so we can call you back.