For decades, Farber Debt Solutions has been helping Canadians wrestle their debt into submission. As Licensed Insolvency Trustees, they can guide you through the legal, practical, and emotional mess that comes with unsecured debts. We’re talking credit cards, lines of credit, student loans, payday loans, tax debt, personal loans. If you owe it, they’ve seen it.

Farber will explain debt consolidation in a very sensible way. It can look like the easy fix: one loan, one payment, fewer headaches. The catch? If your credit score isn’t the friendliest, you might only get approved for a high-interest loan with extra fees hiding in the fine print. And that loan doesn’t actually make your debt smaller. It just gathers it all in one place and hands it a new interest rate, which might not be the bargain you were hoping for.

That’s why Farber doesn’t stop there. They’ll walk you through other options, like consumer proposals, which can reduce your debt by up to 80%, freeze the interest, and make collection calls disappear. There’s also bankruptcy counselling, credit counselling, and help for tax debt.

Many reviews talk about Farber positively. Their team has a knack for making debt talk sound like a sensible conversation. From what people say, the whole process is super straightforward. They’ll tell you what works, what’s a bad idea, and where the hidden gremlins live in the fine print. They are upfront about the fact they do not hand out consolidation loans themselves, but they will point you toward places that can help.

York Credit Services takes all your unsecured debts and bundle them into one single monthly payment you can actually keep track of. They’ll guide you through a full financial check-up, design a plan that works for your situation, and, in some cases, cut your debt by up to 75% while making sure your house and car stay safely yours. They’ll also give you the full picture before you sign anything. That means explaining the pros, the cons, and the “this might not be for you” parts of consolidation loans so you know exactly what you’re getting into.

York Credit Services also offers credit repair, credit counselling, tax-debt support, and even business debt relief. The team is stacked with people who have certifications, including CCCS, Certified Debt Specialists from IAPDA, and a senior counsellor recognized by CAIRP. Translation: they’re allowed to guide you under the Bankruptcy and Insolvency Act and will help you build a sturdier financial future.

Overall, the mood is that York Credit Services knows what they’re doing. Their team explains things clearly, treating you like an adult who just needs a decent strategy. Their debt consolidation can silence collection calls and shrink the total debt. By the end, most clients feel like they’ve restored their financial balance.

Debt Free Credit Solution (DFCS) is here to help people wrangle their debts. The team is based in Toronto, with over a decade of experience. They figure out what will work for your situation, whether that’s consolidation, a proposal, or something else entirely. From your first chat until the day you can breathe easier, they’ll be there, making sure your plan actually works for you and not just your creditors.

If you’ve got a handful of payments flying out at random times, they can help you turn that chaos into one tidy monthly payment. That’s debt consolidation in a nutshell. But DFCS is not a one-trick pony. They also do consumer proposals, which are basically legal agreements that can slash your debt, freeze interest, stop creditor calls, and let you keep your essential stuff.

The general feeling about Debt Free Credit Solution is that they’re the friendly financial guide. They’re praised for being straight with you about what will work and what might trip you up. The overall vibe is that they know their stuff, explain it without making you sweat, and genuinely want you to leave feeling in control. They give you a proper toolkit so you don’t end up back where you started.

All Debt Solutions is based in Etobicoke but work with people across Canada, offering fully trained credit-counselling support for free. The team knows the bankruptcy rules inside out. Basically, they’re the kind of people you want in your corner when your bills start looking like a horror story.

All Debt Solutions helps you gather all those unsecured debts and roll them into one manageable monthly payment. Sometimes that means getting a loan, other times it’s about striking deals with creditors through informal agreements or proposals. Either way, you get one payment date, a clear plan, and fewer surprise letters from people demanding money.

The general feeling about All Debt Solutions is that they’re a reliable team. They’re professional enough to inspire confidence, but relaxed enough that you don’t feel like you’re in trouble. Debt consolidation is one of their big talking points, turning a stack of messy bills into something manageable. People like that it’s not just about making the numbers smaller on paper. They offer long-term plans to help you get out of debt.

4 Pillars Debt Consolidation is in the business of making your debts play nicely together. They step in, line up your overdue bills, and make them behave. You end up with one monthly payment instead of a calendar full of “final notice” reminders.

Here’s how they do it: they sit down with you, go through your finances, and figure out which route keeps you sane. Sometimes, it’s as simple as rejigging your budget so you can breathe. Sometimes, they find you a loan that won’t bleed you dry. And if things are really tangled, they’ll work with a Licensed Insolvency Trustee to set up a consumer proposal. This is a legal way to cut down what you owe and stop creditors from circling.

They’ll make sure you keep your house, your car, and whatever else you care about, while also helping you avoid falling into the same hole again. That means teaching you how to rebuild your credit, showing you how to save, and giving you tools so you can actually see yourself making progress.

4 Pillars Debt Consolidation are the people you call when your finances have reached the breaking point. They’re known for being approachable, quick to respond, and good at explaining the plan. Their debt consolidation folds all your separate debts into a single, clear payment plan. They mix in other tools like consumer proposals or structured budgets. Clients like that they focus on protecting assets while also cutting debt down by a pretty staggering amount.

XBankers is here to take all those unsecured debts and put them into one single monthly payment. Their Debt Consolidation Program pairs you with a qualified counsellor who will negotiate with your creditors to slash or even erase interest. They get rid of late-payment and over-limit fees, and set up automatic payments so you can stop living in your banking app. Bonus: the calls from collection agencies? Gone. Your accounts can even be reset to “current” after a streak of on-time payments, which does nice things for your credit score.

XBankers has been open since 2002, working out of North York. Alongside debt consolidation, they offer credit counselling, budgeting guidance, and strategies to dodge bankruptcy or consumer proposals if you want to keep things simple. They also hand out actual education on budgeting, saving, and using credit.

If you ask around, X-Bankers has the reputation of being the financial clean-up crew. People call them in when the debt pile becomes urgent. They’re praised for explaining what’s going on without making it sound complex. Their debt consolidation setup gets a lot of love because it turns a messy collection of bills into one payment you can keep track of easily. Overall, X-Bankers is reliable, experienced, and does their job well.

Since 2004, GTA Credit Solutions has worked with more than 20,000 families across the GTA. They start every case with a free assessment. Whether you’re in Scarborough, Mississauga, or anywhere in between, they’ll help you figure out the smartest way to get your finances back in line.

Their debt management services take your unsecured debts and combine them into a single monthly payment you can keep track of. This setup cuts down the stress, gets collection agencies to stop calling, and can even help your credit start behaving again.

If consolidation alone isn’t the right fit, GTA Credit Solutions also handles consumer proposals. That’s a legal agreement under the Bankruptcy and Insolvency Act where you can end up paying only a fraction of your debt. And if even that’s not workable, they’ll walk you through bankruptcy, explaining what it actually means and helping you keep the important stuff like your home or car.

The general view of GTA Credit Solutions is that they know how to handle messy debt situations. Clients say the team is professional, easy to understand, and quick to put them at ease, even when the numbers are stressful. Staff like Mark and Rekha get particular praise for making the process feel straightforward. Also, their debt consolidation works well. Instead of juggling multiple bills, you end up with one clear plan, smaller payments, and less stress.

Credit Canada is the financial clean-up crew you call when your bills have started multiplying. As Canada’s first non-profit credit counselling agency, they’ve been doing this for over 50 years. They’ll sit down with you (or hop on a call, or a chat), go through your income, debts, and expenses, and figure out what will actually work for you.

Their Debt Consolidation Program takes all those unsecured debts and bundles them into one payment. A certified credit counsellor deals with your creditors directly, aiming to slash or wipe out interest so you’re paying down the actual debt instead of just feeding it. They can usually map out a finish line in about two to four years. The best part? They don’t care if your credit score looks bad. These programs are based on your real financial situation, not a number on a report.

Credit Canada has certified counsellors who somehow manage to make debt talk feel like a normal conversation. Their Debt Consolidation Program is a fan favourite. It takes all those high-interest debts and turns them into one tidy monthly payment. Interest usually drops, stress levels follow, and you stop feeling like you’re spinning plates while someone keeps adding more.

Overall, Credit Canada has earned a reputation for being genuinely on the client’s side. Counsellors like Saj and Randolph are known for explaining options without rushing, answering every question, and leaving people with relief and “okay, I can actually do this.”

Kevin Thatcher & Associates specializes in taking your collection of high-interest debts and turning them into one payment you can actually keep track of. Their debt consolidation options are designed to swap the chaos of multiple due dates for a repayment plan that makes sense. It all starts with a free, in-depth consultation where a counsellor walks you through the ways you can combine your debts. They’ll explain your options, so you can make a decision that works now and in the long run.

If consolidation isn’t the right fit, they also provide full licensed insolvency trustee services. That includes consumer proposals, which can shrink the amount you owe, freeze interest, and stop creditors from calling, while still letting you hold onto important assets. If bankruptcy ends up being the best choice, they’ll guide you through that process too, explaining exactly what to expect so you’re not left guessing.

Overall, people see Kevin Thatcher & Associates as a trustworthy firm. They answer questions quickly, helping you walk away with your budget in better shape than when you started. Under Kevin Thatcher, the company built a reputation for keeping things professional. Clients often say the team makes stressful situations feel less like a crisis and more like a plan in progress.

New Leaf Debt Solutions is based in Pickering, Ontario. Their Debt Management Plan takes all your unsecured debts and turns them into one monthly payment. A trained credit counsellor negotiates with your creditors to lower or scrap interest and fees, so more of your money goes toward killing the debt instead of feeding it.

Because they’re a non-profit, they start you off with a free debt evaluation. That means going over your debts, your credit, and your budget, then talking through all the options that might work for you. They also hand out genuinely useful tools like budget planners and debt calculators, which help you see what’s going on without needing a finance degree.

New Leaf Debt Solutions comes across as trustworthy and straightforward. As a non-profit credit counselling service, they’ve built a reputation for being professional without being cold, and for explaining things so clearly you actually understand them the first time. Their debt management plans double as a tidy form of debt consolidation. Instead of keeping track of a handful of bills, you get one manageable payment. The counsellors even talk to your creditors for you, often getting interest rates dropped to zero and cutting fees.

DebtCare Canada is for anyone whose debts have officially crossed from “mildly annoying” into “I can’t even open my mail anymore.” If you’ve got at least $8,000 in unsecured debt, they’ll help roll it into one monthly payment you can actually manage. The goal? Get rid of the debt entirely or cut it down. Stop those awful wage garnishments and collection calls. Bring your interest rate to 0%. And finally, make sure you keep hold of important things like your home and car.

They’re not trustees, which means they’re not working for your creditors. Their only job is to make the numbers less terrifying for you. They can reduce what you owe by up to 70%, stop lawsuits and garnishments, and use government-supported programs to deal with personal, business, or even tax debts. They work nationwide, from Toronto to Vancouver, and you only pay if you get into one of their programs.

Debt consolidation is one of their strongest tools at DebtCare Canada. They use government-backed programs and structured plans to roll everything into one manageable payment, trimming down interest rates in the process. The end result is fewer bills to juggle. They customize their approach so you keep what matters, cut what doesn’t, and finally see a way out of the financial mess.

Scott, Pichelli & Easter are the people you talk to when your debts have gotten messy but you’d rather not dive straight into bankruptcy. Everything starts with a free consultation in their Burlington or Hamilton offices. They specialize in helping you pick the route that actually makes sense for your situation, so you can start feeling like you’ve got a plan again.

They’ll walk you through how a debt consolidation loan works, taking all your separate payments and rolling them into one monthly bill. You might even get a lower interest rate, which means less money slipping away to the bank and more going toward actually paying down the debt. They’ll check if you qualify by looking at your income, monthly expenses, and, in some cases, whether collateral or a co-signer might be needed.

If consolidation isn’t the perfect fit, they’ve got over 40 years of experience with every other major debt solution. That includes consumer proposals for debts under $250,000, Division 1 proposals for the bigger stuff, bankruptcy (personal or corporate), and even informal negotiations with your creditors to see if they’ll play nice.

The general view of Scott, Pichelli & Easter is that they’re the seasoned pros at managing money troubles. They’ve been doing this for decades, so nothing you throw at them is going to make them blink. Clients say the team explains everything clearly and keeps things calm, even when the situation is anything but. Debt consolidation and consumer proposals are big parts of their success. They'll put together a plan that keeps the creditors happy without stripping you of your dignity.