We Work For You

Not For The Creditors

One Small Interest-Free Payment

For All Your DEBT

Eliminate Your DEBT In 1-5 Years

Rebuild Your CREDIT

Stop Threatening Calls

Garnishments & Court Orders

Get Relief Today!

Contact Our CAIRP certified Counsellors For Quick Assessment

Save Your Car, House,

Business, Savings & Other Assets

Helped Thousands Of Clients

Like You Since 2003

Financial Problems

With Credit Cards - Loans - Taxes?


  • All your income is going to pay bills.
  • Your salary is being garnished.
  • Everyday there is fight & argument at home.
  • You are afraid to answer your own phone.
  • Creditors & Collection agencies are harassing you and threatening to take legal actions.
  • You are stuck in a cycle of high interest payday loans.

Then, We Can

  • Reduce your debts to less than half.
  • Stop the interest right away.
  • Stop the garnishment & other legal actions.
  • Bring back your stress free family life.
  • Save you from threatening phone calls.
  • Save your home, assets and business.Help you re-build your credit.

Check How Much You’ll Pay!


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Debt Calculator

We have helped Canadians begin a fresh financial future for over 20 years, and we are here to help you too.







How much debt are you in?

DISCLAIMER: This debt calculator is for estimated monthly payments and debt reduction only. The actual results depends on several factors like your income, any assets you own etc.

Our Debt Management Plan Can Help You
With the Following Debts

Business Debt

Business Tax

Car Loan Shortfall

Credit Cards

Line of Credit

Mortages Shortfall


Pay Day Loan

Personal Loan

Revenue Canada

Store Cards

Student Loan


  • We are a team of CAIRP certified credit counsellors who provide a personalized and comprehensive solution to manage your debt and lead you towards financial freedom.
  • Should a need arise to file a Consumer Proposal or bankruptcy, a LIT will be handling your file.

Debt Settlement Proposal

If your debt is increasing and you are trying to avoid high interest, collection calls & legal action

Learn More

Debt Consolidation

Our debt experts can help you with debt options.

Learn More

Maximize your credit potential

What We Provide

With more than 20 years of experience, our CAIRP certified counsellors are here to provide debt consolidation services, we offer a tailored approach to managing your debts effectively.

At Credit Management Services, we understand the stress and burden that multiple debts can place on your life. That's why we offer a comprehensive range of debt consolidation solutions designed to simplify your financial obligations and provide you with a clear path to financial stability.

Debt Consolidation Firm Serving the Toronto, ON Area

About Us

Credit Management Services is an Ontario based firm with a professional and dedicated staff of CAIRP certified counselors to provide you the services of credit counselling, debt management, mortgage loans and real estate. Since the year 2003 our qualified professionals have been working with people with different financial situations, debt problems, and income and family responsibilities to fulfill their needs in all these areas.

Credit Management Services has helped thousands of clients to manage their finances and get out of debt. Our programs and services help people in all stages of their financial lives and to take the next step towards personal wealth management accomplishment.


We are trusted by over
12000+ customers.


Debt Settlement


Debt Consolidation


Credit Counselling


Our Customer Say

Your reviews are confidential. Please feel free to let us know about our services.

Note: We don’t disclose any personal information

I had six credit cards and was paying $550 per month. Bank did not give me a consolidation loan because I had bad credit. Then I met a Counsellor from Credit Management Services and my loans were reduced to one small payment of just $200.

– J.G.

“I went back home to get married, then I had to go again because my parent got sick. Because of that, I had to borrow money from my credit cards and I also lost my job.

– E.J.

“I was afraid to pick up my own phone. I was so confused and stressed all the time that I didn’t know what to do, but after meeting with a Counsellor from Credit Management Services”

– M.M.

“After making us debt-free, now Credit Management Services helped us get the mortgage. We are happy to move to our new house”

– S.S. & E.S.

“My husband was so stressed with these credit card bills that once he forgot to stop at a red traffic signal. Fortunately, no accident happened but I called Credit Management Services right away."

– E.J.

This bill………. that bill………… bills and bills…………….. It seemed that we were working for paying these bills only. But now we are very happy. We are saving now so that we can buy a house.”

– E.R. & L.R

Reduce Your Debts By Upto 80%

One Small Interest Free Payement
For All Your Debts




Contact Us

Our Locations


3200 Dufferin Street,
Suite 502, North York,
ON M6A 3B2 (Dufferin & Orfus)

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150 Consumers Rd,
Suite 200, North York,
ON, M2A 1P9 (Sheppard & Victoria Park)

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2 County Court Blvd.,
Suite 235, Brampton, ON,
L6W 3W8 (Hurontario & Steeles)

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4275 King St. East,
Suite 300, Kitchener,
ON, N2P 0C6
(King St & Deer Ridge Dr)

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