Know Debt

Empowering You to Achieve Debt-Free Success


CEBA stands for Canada Emergency Business Account. The CEBA loan is a financial support program introduced by the Canadian government to assist small businesses and non-profit organizations that have been affected by the COVID-19 pandemic.

The CEBA loan provides eligible businesses with access to a loan of up to $60,000 to help cover their operating costs and other immediate financial obligations. It is intended to provide support for expenses such as payroll, rent, utilities, insurance, and other operational expenses that cannot be deferred.

Don’t have money to pay CEBA loan? Call Us now 416-780-1020

Credit Counselling

In Canada, credit counselling is an activity intended to help you find debt relief. It is a specialist service for meeting to discuss your personal financial circumstances, and explaining the various forms of debt relief available to you. It is an excellent first step to take when you have overwhelming debts and are unsure of what to do next.

What could be the outcome of credit counselling?
  • Debt management plans
  • Debt consolidation loans
  • Debt Settlement Proposal

Credit Score

Many Canadians understand the power of a healthy credit score, as this gives them the opportunity to build their finances and present themselves as a worthy borrower in the sight of potential creditors.

  • Want to step up your credit score game?
  • Desiring to increase your credit score to 800 points?
  • You want a great credit report?
  • Want to erase negative information that is possibly affecting your score?
  • Feeling overwhelmed by the repeated rejection of your credit applications?
  • Are you feeling suffocated by an excessive amount of credit card debt?
  • Missing credit card payments altogether?

Overdraft and Lines of Credit

The most significant benefit of a line of credit is the flexibility it provides, which allows you to make withdrawals of cash at regular intervals, make repayments, and borrow again. But it is easy to get trapped in a cycle of revolving debt, barely paying off lines of credit or overdraft balances only to borrow more again.

Want to stop relying on overdraft and lines of credit?
  • Constantly in overdraft balance on your bank account?
  • Using your overdraft and lines of credit for day-to-day expenses?
  • Stuck in a cycle of borrowing and paying off the same balances?
  • Paying high fees and hefty interest charges to the bank?
  • Struggling to clear your overdraft balances or pay back your lines of credit?

Personal Loan

These personal loans may be for home renovations, financing a wedding, consolidating debts, or for everyday expenses. You probably had every intention to pay the lender back when you signed onto the loan, but things can change. Life happens, and you might find yourself behind on your personal loan payments.

Struggling with personal loan payments?
  • Struggling to make payments on time?
  • Missing loan payments with the bank or lender altogether?
  • In default of your loans?
  • Stressed about collection calls or worried about legal action?

Secured Loan

Secured loans are business or personal loans that require some type of collateral as a condition of borrowing. A bank or lender can request collateral for large loans for which the money is being used to purchase a specific asset or in cases where your credit scores aren’t sufficient to qualify for an unsecured loan.

Secured loans may allow borrowers to enjoy lower interest rates, as they present a lower risk to lenders. However, certain types of secured loans—including bad credit personal loans and short-term installment loans—can carry higher interest rates.

Payday Loan

Payday loans are a very expensive way to borrow money, and the frequent use of payday loans can be a sign that you need debt relief as in most cases, it is not sustainable. In Ontario, while there is a limit on the costs applicable to payday loans ($15 for every $100 borrowed), the interest rate can be astronomical. This is if your payday loan is paid on time – if not, you can incur an additional interest rate on top.

Alternatives to payday loans
  • Emergency fund
  • Small loan
  • Overdraft protection
  • Credit cards

Business & Income Tax

You might have thought you were doing everything right with your business or personal taxes, but find yourself in over your head with a tax bill from the CRA. Many individuals and businesses find themselves with a hefty tax bill and don't know where to turn and get help from. We are here to help. If you owe income tax or business tax to the CRA and are at risk of a lien on your assets, we can help you with a debt solution, freeing yourself from CRA debt.

Tax debt with the CRA can have stressful and costly consequences when unpaid, and it can be confusing to navigate your options. The longer you wait to pay back your tax debt, the more the interest and penalties continue to add up.

Credit Card Balances

Getting higher credit limits, or a new credit card, makes it easy to use anywhere for day-to-day purchases.

Getting out of credit card debt on your own can be challenging. Once you are stuck in a cycle of credit card debt, paying only minimum payments, it can be difficult to get out of the trap of minimum payments, high-interest rates, and low credit scores. We can help you find relief from an endless cycle of debt.


If you find yourself strapped for cash and struggling to pay your phone bills, utility bills, or 407 debt on time, know that you are not alone. We have helped many of our clients struggling with overdue bills, when they are unable to make payments, are constantly in arrears, or are dealing with collection agencies.

Overdue bills and penalties for late payments can add up quickly! If your bills are piling up, and you have no idea how you will pay them back, we can help you get back on track with your bills.

Debt Solutions

Debt Solutions involves combining multiple debts into a payment plan. The primary goal of providing debt solution is to simplify the repayment process, potentially reduce the overall interest rate, and make it more manageable for individuals to pay off their debts.

Additionally, debt solutions is not a one-size-fits-all solution, and its effectiveness depends on individual financial situations. It's advisable to seek advice from financial professionals or credit counseling agencies before deciding on a debt consolidation strategy.

Everyone wishes for Financial Freedom but only those who make it a priority achieve it

Call Now 416-780-1020

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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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