CANADA CONSUMER CREDIT ASSISTANCE
Our Services
Helping You Take Control of Your Financial Future
At Canada Consumer Credit Assistance, we provide a range of solutions designed to help you reduce debt, rebuild your credit, and move toward financial stability. Whether you’re feeling overwhelmed or simply want better financial direction, our team is here to guide you—confidentially and without judgment.
Consumer Proposals
You may be qualified for consumer proposal if your total debt is less than $250000 (not including any mortgage or loans), and you are not in a state to pay your debts without any collateral on time.
Consumer Proposal, if accepted by majority bearers of your unsecured debt, will
- Compel all your unsecured creditors to accept the proposal
- Lesson the amount of outstanding debt you owe to the amount you can afford.
- Pay all your debts covered in proposal 2ithin 5 years.
- Allows you to keep your property (as long as you are making mortgages payments)
- Pauses all legal actions taken by the creditors
- Gives you a chance to get back on track on your life.
Why creditors will accept proposal?
This is self-serving them by accepting the proposal they are getting money more than they could think of because if you go into bankruptcy you won’t be able to pay them, a single penny.
Your agent or advisor will deal with the creditors on your behalf
- A consumer proposal is legal agreement made between a person and its creditors. By law, only a licensed insolvency professional can submit and manage the proposal.
- Your agents cost are included in the one monthly payment you will be giving to the agent for paying out to the creditors.
Bankruptcy
Bankruptcy should not be taken lightly and one should consult a licensed insolvency trustee. Whether personal or corporate bankruptcy, the complex process of bankruptcy is started after considering the pros and cons of filling it and when a client needs it.
Personal Bankruptcy
Complex process made easier for you to file bankruptcy with confidence. No. of steps involved-
- Consulting licensed insolvency trustee.
- File Bankruptcy
- You’re officially listed in bankruptcy.
- Notify your creditors
- Meeting with creditors and Supervisor of the bankruptcy office.
- Debt and credit counselling session
- Agents Report
- Discharge hearing
Corporate Bankruptcy
Corporate bankruptcy leaves an impact not only on the economy but also the human capital. It can affect many people, including
- Business owners, partners and their families.
- Investors and their families.
- Employees and their families
- Suppliers and their families.
We work closely with our business clients to explore all their possible options. Once we’re satisfied that bankruptcy is the only viable solution we recommend them to file it. Important point to be noted is that in Ontario this bankruptcy could be avoided by contacting licensed insolvency trustee sooner.
If your business is facing in crippling debt and repayment issues and you are considering filing bankruptcy then we recommend you to contact us to book an appointment with our expertise to discuss your problem and explore all possible solutions.
Credit Card Debt
One of the most common situations people are facing. In addition we help you to set up a meeting with credit counsellor who further helps you to do careful management and planning that puts you in the path elimination your unnecessary debts.
- Stop Using or Applying Credit Cards.
- Know the facts
- Plan before attacking
- Do it now
- Live with your budget frame.
Debt Consolidation
Having trouble managing your debts such as credit cards and pay day loans, we are here to help you understand what debt consolidation is and what options are available based on your situation.
A debt consolidation loan is provided by a creditor or financial institution. It allows you use the funds to pay off your debts. The amount to be paid remains the same but the interest rate is lower than what you were paying earlier. You must need any kind of security like your home to show it to creditors and financial institutions to qualify for this type of loans.
Another simple option is to offer settlement is by filing consumer proposal.
Debt Consolidation
One Affordable Payment. Less Stress.
We help you combine multiple high-interest debts such as credit cards, loans, or unpaid bills into a single, manageable monthly payment. This can significantly reduce your interest rates and make your payments easier to track and afford.
Debt Settlement
Negotiate a Lower Payoff with Creditors
With our help, you may be able to settle your debt for less than what you owe. We negotiate directly with your creditors to reduce the total amount due, often eliminating interest and late fees, so you can get out of debt faster.
Credit Counselling
Personalized Financial Guidance
Our licensed credit counselors work with you one-on-one to assess your current financial situation and develop a realistic plan. Whether you need help budgeting, understanding your credit report, or exploring debt relief options, we’re here to educate and support you.
Creditor Negotiations
Stop the Calls. Start the Conversations.
If you’re receiving collection calls or notices, we can act on your behalf. Our team communicates directly with your creditors to negotiate payment arrangements, stop harassment, and reach fair solutions.
Collection Account Assistance
Find Relief from Collections
We can help you resolve collection accounts and regain control. Our strategies focus on reducing the amount owed, removing accounts when possible, and protecting your credit during the process.
Credit Rebuilding Programs
Get Back on Track — Stronger Than Before
After resolving your debt, we offer tools and guidance to rebuild your credit. This includes education on using credit wisely, understanding scoring systems, and preparing for future financial goals like homeownership or major purchases.
Student Loan Assistance
Solutions for Government & Private Student Loans
We help borrowers understand repayment options, negotiate relief when possible, and explore government programs that can ease the burden of student loan debt.
Consumer Proposal
A Legal Path to Debt Reduction
If you qualify, a consumer proposal can legally reduce what you owe and stop further interest or collection activity. While we do not file proposals directly, we work closely with Licensed Insolvency Trustees and can refer you to the right professionals when appropriate.
Budgeting Support & Money Management
Build Habits That Last a Lifetime
We don’t just focus on fixing the problem—we help you prevent it from happening again. Our team will help you create a practical budget, identify spending leaks, and build long-term money management skills.
Need Help Choosing the Right Option?
Every financial situation is unique. Book a free consultation with one of our experts, and we’ll walk you through the options that make the most sense for your goals.
