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Feel Good About Money Again

We are the credit counselling specialists, and what we offer is simple: Debt solutions that stick.

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Your Non-Profit Credit and Debt Counselling Partner In Atlantic Canada

For 30 years, we’ve helped countless individuals and families solve their debts through expert credit counselling, budget mentoring and tailored financial education programs. As a not-for-profit organization, we always have your best interest at heart and will help you avoid bankruptcy whenever possible. 

We offer free 1.5 hour consultations and charge the absolute minimum for our services.

We put your best interest first. We don't profit off of others' misfortune.

We have developed great working relationships with our clients, their creditors, and a network of trusted support organizations.

Our counsellors are caring, professional and AFCC designated (Accredited Financial Counsellor Canada) - the gold standard of financial education.

What Our Clients Say About Us

"I was feeling so stressed and this company helped me get my life back on track. I didn't want to go bankrupt and was happy to find another option. Thank you!"

Saint John, NB

How We Can Help You Get - And Stay - Out Of Debt

Credit Counselling

Credit counselling is a process designed to help people reduce debt and live debt free. Your accredited counsellor will review your entire financial situation and speak to you about your options.

Debt Management

Your counsellor will create a custom debt management program for you, along with an easy-to-follow budget you can use to accurately track your finances over time.

Budget Mentoring

Your counsellor can provide you with a personal budget planner and the support you need to successfully manage your money and learn to live within your means.
 

Trusted Referrals

In some cases, bankruptcy might be the only option. If this scenario applies to you, your credit counsellor can refer you to a trusted resource who can guide you through the process. 
 

Join Thousands Of Atlantic Canadians Becoming Debt-Free

They gave me my life back. I recently paid off my debt at the end of this year and it’s so nice to not have it hanging over my head anymore. I can breathe again, I can live and most of all I feel so proud of myself. Because I did it. They helped me and made a plan and were non judgmental- but I put in the hard work financially to carry out our plan and it’s done. I couldn’t have done it without them!
 

Author
Jennie G
Saint John, NB

I was very happy with my service I received at SolveYourDebts.com. I would highly recommend it to anyone that is seeking help. I couldn't believe how quick I finished the program and so happy to know I'm debt free. It is a wonderful feeling. Thank you so much.
 
 

Author
Cindy H
Fredericton, NB

They helped me pay down my debt, while giving budgeting advice the whole way. They even help you afterward to dispute wrongful reports of missed payments.
 

Author
Rosalie H
Dartmouth, NS

Frequently Asked Questions

Addressing your top concerns about debt and credit counselling.

What’s the difference between a credit counselling agency and a bankruptcy/licensed insolvency trustee?

The primary difference between a credit counselling agency and a bankruptcy trustee is that the former considers all your options and the latter deals primarily in bankruptcy and consumer proposals.

A credit counselling agency is focused on finding the best solution for you, taking into consideration all aspects of your financial reality. In some cases, bankruptcy will be the only option, and in these cases, your credit counsellor can refer you to a trusted resource who can guide you through the process.

But in many cases, credit counselling is the best option. That’s because you gain the skills to never get into financial difficulty again.

Who is eligible for credit counselling?

Everyone!

We aim to assist anyone looking for advice about financial management or reducing and eliminating their debts. The goal of our credit counselling services is to equip people with the tools necessary for the successful management of their finances. Whether you need help with debt repayment, budgeting or general financial education, our accredited financial counsellors are up to the task.
 

Does credit counselling actually work?

The latest data we have available is that the bankruptcy/insolvency route results in a repeat rate of approximately 20%. This compares to a repeat rate of less than 1% for those who follow the Debt Management Program/Credit Counselling route.

That’s what we mean by debt solutions that stick.

Does not-for-profit status matter, when I’m choosing a debt management partner?

Yes. Our not-for-profit status means we aren’t looking to make a buck off your financial challenges.

Simply put, it means we offer low-cost, impartial and professional services that put your needs first. We believe this is an essential ingredient in helping you solve your debts as quickly and painlessly as possible.

Become debt free...

Delay No More, It's Time To Get Out Of Debt

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Accredited Member of Credit Counselling Canada


We are an accredited member of Credit Counselling Canada, a national association of non-profit credit counselling services.
We are an accredited business with the Better Business Bureau. We are proud of our Better Business Bureau A+ rating.
We've won the Consumer Choice Award for Credit & Debt Counselling Services
9+ times in multiple cities across Atlantic Canada.

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