LOOKING FOR DEBT RELIEF?
ARE YOU A CANADIAN RESIDENT & STRUGGLING WITH DEBT PAYMENTS?
Reduce your debts by up to 75%
Avoid Bankruptcy
1 affordable monthly payment
Drop your interest rate to 0%
Regain Peace of mind!
THE LDS PROCESS
It’s easy as 1..2..3
01
Get a free consultation
Our debt relief partners will ask you a few questions and explain your options for debt relief.
02
See what you can save
We work with you to collect and assemble the relevant information for a customized plan that works for you.
03
Enroll in our debt relief program
Submit the application form so that you can get back to financial stability by lowering your debts and reducing your overall monthly payments.
LDS does not provide services under the Bankruptcy Insolvency Act
You will be referred to a licensed Insolvency Trustee if your circumstances warrant this
Book Your Free Debt Consultation Today!
Contact information
Regain your peace of mind today!
Call us now at +1-647-905-8242
Your consultation is free and comes with no obligation!
Send us a message
Safe, secure & confidential
Celebrating client TRIUMPHS
One happy client at a time!
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" I wanted to say thank you so much for assisting me and getting me in the process with lower debt solutions, I can’t tell you how much I truly appreciate this opportunity to be apart of the program in assisting me with debt relief and finding better options that suit my financial needs. The work you do is very important and has changed my life for the better, thank You. "
- Esther
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"Lower debt solutions was patient and knowledgeable with me as each person walked me through the process of understanding the consumer proposal as a solution to my debt problem.They then helped me through the paperwork and introduced me to the trustee. By then I was not only confident that I understood the process but looked forward to the outcome. The Trustees job was very simple."
- Terry
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"My experience with Lower Debt Solutions was pleasant and stress free. The agent was easy to communicate with, and the whole process was pretty simple to navigate. I am glad that I proceeded with this debt consolidation program."
- Scott
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"You were instrumental in helping me get through this. The best part has been between all of you never did I feel that I was being judged. I will now be able to enjoy my upcoming retirement starting January 1st 2025. Thank you all for understanding"
- Jacques D
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“My husband medical emergency left us in a real bad financial position. LDS really lifted the burden. I don’t know where we would be without them.”
- Margaret T
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"Lower Debt was a very easy to understand, useful solution to solving my debt problem. The process was clear from the start to the completion of my proposal. I would recommend LDS to those struggling with high interest debts. "
Keenan
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“I never thought I'd see the day when my debt would stop dictating my life. The personalized plan from Lower Debt Solutions made all the difference!”
- Sarah G
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“LDS turned the tide for me when I was drowning in debt. A big thanks to their incredible team, who helped reduce by my monthly debt payments by 60%.”
-John F
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With high student debt and mounting credit card bills, I needed help and I’m so appreciate of LDS who reduced my debts by over 40%.
-Jacob B
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"A heartfelt thank you to Lower Debt Solutions for giving me the breathing room I desperately needed. My family and I can relax a little and even take a much needed vacation.”
-Jim D
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"The assistance I received was awesome and was a lot off my shoulders. It helped me see the light at the end of the tunnel."
- Stephanie
“I reduced my debt by 70% and regained peace of mind. A true life-saver. Thank you David for your professionalism!”
Sandy B.
FAQ'S
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If you enroll in a debt relief program, you could reduce your unsecured debt to a fraction of what you owe and with a 0% interest rate, while stopping creditors and collectors from calling and legal action. A debt consultant will get in touch with you within 1 business day of reaching out, and will discuss your unique situation and provide you with a debt relief proposal. If you decide to proceed, we will work with you to gather documents and prepare an application. You will then be booked for a call with an administrator of the program to sign the documents and begin the program. It can take up to 7 days to complete before a booking is made with the administrator.
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You need to be a Canadian resident with an income, and with $10k or more in unsecured debt. Examples of debt that qualify are credit cards, loans, lines of credit, overdrafts, old utility bills, tax debt, etc. Debts that cannot be included are secured debt like mortgages, car loans, legal penalties, child support, student loans less than 7 years from the last date of school.
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The process of applying for debt relief can typically be completed in approximately 7 days.
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Your credit score will be negatively affected the same as if you have missed payments or stopped paying on your debts. It will remain on your credit report for 1 year after the 5-year period or 3 years from the date you completed paying whichever comes first.
It is important that you regard a Consumer Proposal as a positive step and the effect on your credit score is temporary.