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Canada

Debt has become one of the most critical issues in today’s world. Unsecured debt is increasing at an alarming rate, all over the world. Canada is the world's richest country with a high per capita income. But its sound economic standard does not help people in opting for loans as well as becoming a defaulter in paying them back. As a result, the Canadians tend to opt for debt solution.

Debt consolidation is one of the most effective debt solutions in Canada. Consumer spending is much low in Canada, mainly ranging from 52.8% to 58.9% (www.bankrate.com) over the last 25 years. Total household debt fluctuated between 26% and 36% between 1980-2005 . In fact, in Canada, it rose from $134 billion in 1980 to $916 billion, which is about 6.8 times of the total debt. According to the Office of the Superintendent of Bankruptcy, last year 84,638 Canadians filed for personal bankruptcy.

DebtCC debt help in Canada

Debt Consolidation Care (DebtCC) community, is mainly centered in US, but now on we are offering service in Canada as well. Our aim is to provide genuine support to the people the world over.

It is a pleasure to inform you that, lately we have started a forum for the Canada community. Please visit http://www.debtconsolidationcare.com/canada/forums/ to participate. It is true that we do not operate in Canada, but do provide you with effectual support from the most efficient companies. Recently we have selected a list of companies, based on their authenticity in terms of the customer service. Our listed companies exclusively deal with debt consolidation/settlement/bankruptcy in Canada, to provide you reliable service.

How we select a company?

We follow a rigorous process in selecting a company. Following are the steps towards collecting the list credible companies in UK:
  1. We contact some sites that are overly recommended by our community members.
  2. We ask them following questions:
  • Why you?
  • Some of your achievements.
  • Services you offer.
  • Your contact.
  • The complete process.
  • After getting the response, we talk to some of our community members and senior coaches.
  • Once it is approved by the community and coaches we add them to the list.
  • We keep on collecting the feedback about the company from various sources including their customers.
  • Summary of Canadian debt consolidation laws:

    • A Collector can pursue for payments but collectors cannot phone at unreasonable hours or jeopardize the debtor's job by interrupting him or her at work. He cannot charge, threat or promise on issues that pertains to matters other than the collection of the debt;
    • The collector cannot communicate with the debtor's employer, without the consent of the debtor; except for the purpose of verifying the employment of the debtor,
    • The collector cannot communicate with a debtor, the debtor's family or the debtor's employer in a manner and in circumstances that can cause alarm, distress and humiliation.
    The Debt Collection Act in Canada is administered by the Director of Debt Collection.




    * Disclosures:
    • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
    • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
    • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
    • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
    • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.


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