Debt help and debt management can be confusing- there are many different options available with lots of terms being used interchangeably. To make things trickier, when you’re stressed about debt or being harassed by collectors, you’re likely not in the best headspace to research your options.
Creditaid is a credit counselling service that offers Debt Management Plans (DMP). We negotiate with your creditors on your behalf, so you make one payment a month to us — and we handle the rest, including making sure collectors stop contacting you. DMPs typically run four to five years.
Creditaid has helped thousands of Canadians since 1992. We’re a regional credit counselling firm licensed in four provinces — BC, Alberta, Saskatchewan, and Manitoba — registered with each provincial regulatory body, and our trust accounts are audited annually.
What you can expect from us:
A personal touch, not a call centre. As a smaller firm, you’ll always be speaking with someone who actually knows your file — not a random agent at a large national call centre. We know who you are, we understand your situation, and we work in your best interests.
Honest advice, even when it points elsewhere. We’ll walk you through your full range of options — including ones we don’t offer ourselves. A DMP has to make sense for your budget and cash flow, and because it does affect your credit rating, we want to make sure you can also set aside an emergency fund while you’re repaying. We get a lot of satisfaction from helping people when a DMP is the right fit — but we’ll always tell you clearly if there’s a better path.
Support for the long haul. A DMP can run up to five years. It’s a marathon, not a sprint. We’re with you through all of it — building budgets, navigating life changes, and pausing things when money gets tight. We work for you, not the creditors, and we genuinely want to see you come out the other side debt-free.
If collectors are calling or you’re struggling with debt you can’t seem to get on top of, reach out to us. We’re passionate about helping people regain control of their finances — and we’d love to help you do the same.