We help to reduce your debt by up to 80% and get you back on track. Up to 97% of families successfully complete the plans we create and become debt free.
Very few people spend their days thinking about debt restructuring, debt services, and debt in general. There are far more pleasant matters to ponder and most of the time we’re too busy to consider subjects that go beyond our daily concerns. It’s no surprise then that most people aren’t familiar with Debt Consultation, the advantages it provides, and the reasons it works.
A Debt Consultant, or as we like to refer to ourselves, Debt Specialist, is someone who is well versed with all debt relief options available to consumers and businesses. Unlike other positions that exist in the debt industry though, a consultant works for the person or entity in debt – the Debtor. This may sound trite, at least until you do a little research and discover that everyone else in the industry is effectively working for, or on behalf of, the creditors – the people the debtor owes.
Banks work for themselves and look out for their own interests, naturally.
Credit Counsellors and Debt Poolers structure deals that allow creditors to get all or nearly all their money back. This results in payment plans that are usually unmanageable and the result is up to a 65% failure rate.
Trustees in bankruptcy, while attempting to play the role of referee between the debtor and the creditor, are ultimately unable to advise, advocate, or act on a debtor’s behalf. Granted, a trustee can provide debtors with information related to the Bankruptcy and Insolvency Act, but a trustee cannot coach debtors on how to best arrange their affairs so they have a high likelihood of succeeding with their debt relief program. Moreover, the trustee is compensated by the creditors as the trustee receives a ‘piece of the action’ by placing a tariff upon all money collected from the debtor, on the creditor’s behalf.
A Debt Specialist works for YOU and has only your best interests in mind when putting together a plan and dispensing advice. Working for you involves three major steps:
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