Thousands of Canadians have trusted us with their financial future — and it shows. We’re two-time Consumer Choice Award winners with an A+ BBB rating because we take the time to understand your unique situation and guide you through every step of the consolidation process, free of fees.
We connect with you to get a clear picture of your financial landscape. We review your household size, income, assets, and total debt to understand exactly where you stand today.
Using our Surplus Calculator, we input your details to generate an immediate estimate. You will see what monthly payment you might qualify for, taking the guesswork out of the equation.
Stop guessing if Credit Counselling or a Consumer Proposal is right for you. We use your data to match you with the exact right solution, so you don't waste time applying at five different places.
Once the right path is identified, we connect you with the right licensed specialist to finalize the plan. Your debts become one lower payment, and we provide the education needed to stay debt-free for good.
We believe financial clarity shouldn’t have a price tag. Our reputation relies on your success, so we don’t charge for our advice. Any administrative costs are simply built into your final consolidation plan by the licensed administrator (e.g: Licensed Insolvency Trustee), meaning you never pay a fee to Prime Credit Solution.
If you have significant equity in your home, or vehicles this is often your best financial move. Unlike other options, Credit Counselling does not factor your equity into your payment plan. They negotiate to simply remove or drastically reduce the interest rates. This allows you to pay off 100% of your debt faster without the majority of your money going to interest.
If you don’t have a large amount of equity, you likely qualify for a much more aggressive reduction. While your assets remain safe and untouched, having lower equity allows an LIT to negotiate a settlement that could reduce your total debt by up to 70%, while also eliminating interest completely. This is the most powerful program for turning a massive debt load into a small, manageable payment monthly payment.
The biggest factor in getting our clients a great proposal is the net income per individual in your household.
We have a very accurate system to gauge whether or not this program is suitable for you.
Please be as prepared as possible by having accurate information regarding your debts, allowing us to be accurate and helpful.
All of your assets are protected including your mortgage. The amount of equity in your home could prevent you from getting a good offer, a majority of our clients with mortgages that have enough equity available to pay off their debts will simply go with a full offer.
This prevents you from paying interest on your unsecured debts, allowing you to pay off the principle within 40-60 months. Which also allows you and your family to keep your assets.
We always recommend you try and get a consolidation loan prior to considering our program.
Our Experts will calculate all the variables, and then gauge whether or not this makes sense for you and your family.
