Reduce Your Debt As Much As 70% And Be Debt Free In As Little As 24-48 Months.

Suffering from heavy debt? Barely making the minimum payments on your credit cards? Full Circle Total Debt Solutions can work with you to solve your problems, so you can have your money working for you quicker.

Depending on your level of debt, as well as the financial resources that you have available, there are a wide range of Debt Management Solutions that our team at Full Circle Total Debt Solutions can offer. We can help you regain your financial stability. From negotiations with creditors to filing for Bankruptcy or knowing when to not take action at all, we are able to provide a list of options and give you advice on choosing the correct option that matches the needs of your situation.

Each month, our Debt Solutions Specialists help hundreds of Canadians who are faced with the same challenges as you have now. You DO have options:

Consumer Proposal

This option is the NUMBER ONE debt relief alternative to Bankruptcy in Canada. It’s a formal, legally binding arrangement made with your creditors to reduce your debts to less than you owe. Read More…

Credit Counselling

Credit counselling in Canada is a negotiation process with your creditors through a Debt Management Program. Your Debt Solutions Specialist  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. Read More…

Debt Settlement

This option is a negotiated process for lump sum payments to settle your debts for less than what you owe. Two types of Debt Settlement in Canada are: Informal, and Formal. Formal Debt Settlement is called consumer proposal. Read More…

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. Bankruptcy allows you to eliminate most (if not all) of your unsecured debt. Read More…

How It Works

1. CALCULATE YOUR DEBTS

Examine your current situation at no charge or obligation. Get your free online savings quote today!

2. REDUCE YOUR PAYMENTS

Reduce your payments by up to 75% and combine all of your payments into one affordable monthly payment.

3. BECOME DEBT FREE

Start today and you could get out of debt in as little as 24 – 48 months.

Why Choose Us?

The answer is simple, we’re unlike any other debt help site out there. You can count on our team to provide you with sound, knowledgeable advice about Canadian Debt Relief.

Our goal is to help Canadian individuals and families learn how they can improve their financial well being. And when it comes to debt, there is no one solution that fits everyone. Everyone’s situation is unique and so by understanding and knowing which option is right for you, your road to debt freedom will be paved by success.

We also strongly believe that credit card debt relief information should be presented in a completely transparent and easy-to-understand manner. There should never be any hidden terms or costs and what you see is what you get. We hope the information provided by our Debt Solutions Specialists will help empower Canadians to make better decisions when it comes to choosing which debt relief option is right for their unique situation.

We can help you….

  • Consolidate credit bills into one easy monthly payment

  • Pay off your debt faster

  • Lower your interest rates regardless of credit score

  • Stop collection calls and all legal action

  • Eliminate late fees and over-limit charges

  • Build a realistic budget and financial plan you can follow

Proudly serving British Columbia | Alberta | Saskatchewan | Manitoba | Ontario | Quebec | Newfoundland and Labrador | New Brunswick | Nova Scotia | Prince Edward Island | Nunavut | Yukon | and the Northwest Territories.

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

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.

Recent Blog Posts

Debt Repayment Calculator

Find out how much money and time you can save if you increase the amount of monthly payment you contribute toward a debt, such as credit card debt, mortgage debt, etc.

Glossary of Terms

The Bankruptcy / Insolvency Act utilizes a lot of terminology that might not, at first, be completely clear to someone who has never gone through the bankruptcy or proposal process before. With that in mind, we have provided an abridged version of the Glossary of Terms. If you are unsure about any definition or entry, please do not hesitate to contact us for further information, or book a free, non-obligatory consultation.

Financial Consumer Agency of Canada

Understanding your Credit Report and Credit Score. PDF version (1,253 KB, 36 pages)​