Get a FREE credit consultation today and discover how you can save up to 70% on your debts through a Consumer Proposal or Bankruptcy. Contact us to start your journey towards financial freedom and effective debt reduction!

Signed in as:

filler@godaddy.com

Account

Debt Counselling Services: Find Your Financial Freedom Today!

Explore our debt counselling services to regain control over your finances! Through effective credit consultation, you can significantly reduce your debts by up to 70%. Whether you're considering a bankruptcy or a consumer proposal, our team is here to help you achieve financial freedom.

Text or call: 416-457-3158

Debt Counselling Services: Find Your Financial Freedom Today!

Text or call: 416-457-3158

Contact Us

WE ARE HERE FOR YOU!

From credit consultation to debt reduction strategies like debt consolidation and Consumer Proposals, UCS is here to help you achieve financial freedom. Contact us today to speak with our financial advisors and get on the right track of your financial journey with us, potentially saving up to 70% on your debt payments, even if you are considering Bankruptcy. Click on the button below to get started.

Message us on WhatsApp

UNIVERSAL CREDIT SOLUTIONS

Jane Finch Mall, 1911 Finch Ave. W., North York, Ontario M3N 2V2, Canada

Disha Chauhan (Debt counsellor) Direct +1 416-457-3158 Email contact@universalcredit.ca Email universalcreditsolutionsinc@gmail.com

Its Simple - just few steps to freedom

A pile of credit cards with different colors and sizes.

Debt Free Life?

Reasons for becoming debt free!! Bad debts can hold you back and prevent you from achieving your future financial goals. Engaging in a credit consultation can help you explore options such as bankruptcy or a consumer proposal, which can aid in effective debt reduction. A low credit score can significantly impact your ability to attain financial freedom and keep you from the things you desire, as it affects much more than just financing.

Man using phone and credit card at a laptop in a cafe.

Our Services

Private & Confidential Financial Assessment for achieving financial freedom, including options like Consumer Proposal and Bankruptcy. Our services also include credit consultation and strategies for effective debt reduction and financial budgeting.

Person cutting a credit card near a pile of bills and receipts.

Know when to contact us!

WARNING SIGNS

1. Missing payments to creditors can be a red flag on your journey to financial freedom.

2. Frequent NSF and overdraft charges may indicate the need for debt reduction strategies.

3. If dealing with debts is becoming stressful, it might be time to seek a credit consultation.

4. Receiving calls from creditors and collections is a sign that you may need to explore options like a Consumer Proposal.

5. If your pay is being garnished, it's crucial to consider your options, including bankruptcy.

6. Receiving court notices or lawsuits from creditors can be alarming and may indicate the need for immediate financial advice.

7. If you find yourself asking friends and family for help, it may be beneficial to look into professional debt solutions.

8. Relying on payday loans can trap you in a cycle of debt, so exploring alternatives like a Consumer Proposal could be a wise move.

A brown leather wallet with cards and a 100 currency note on a wooden table.

Why Us?

We Help You Move Forward In LIFE. Our services include private and professional debt consultations to guide you towards financial freedom.

As experienced professionals, we want to hear your story regarding your current financial situation and your future financial goals. Understanding your circumstances allows us to provide effective credit consultations tailored to your needs.

By assessing your financial situation, our team can recommend the best debt reduction strategies, including options like Bankruptcy and Consumer Proposals, to help you achieve a debt-free life.

We specialize in alleviating various types of debts, including tax debt, payday loans, personal lines of credit, credit cards, student debts, and other unsecured debts.

Let us help you regain your confidence and start planning for a brighter future.

A person is writing on paper with a pen.

Consumer proposal

A Consumer Proposal offers you legal protection against all your creditors, effectively stopping actions like wage garnishments and halting all creditor collection activities and legal proceedings. This process can lead to significant debt reduction, reducing your total amount of unsecured debts by up to 70%, while also stopping interest and any potential legal actions. Depending on your unique situation, a credit consultation will guide you to an affordable, interest-free proposal term requiring only one small monthly payment to settle the proposal. Once the proposal is fully paid, all unsecured debts included before the filing date will be discharged, allowing you to achieve financial freedom. Importantly, you can retain your assets such as your home, car, and RRSPs. Throughout this process, you have the opportunity to rebuild your credit score while paying off the proposal, helping you avoid bankruptcy.

Person holding a credit card and bill while using a calculator.

Bankruptcy

•Bankruptcy provides a legal way to discharge all your unsecured debts, allowing you to achieve true financial freedom.

•Once you file for bankruptcy, you will be legally protected from your creditors, meaning they cannot contact you anymore.

•This process can serve as a new beginning, giving you a fresh start to rebuild your credit and focus on new financial goals. Consider seeking a credit consultation to explore your options.

•Bankruptcy is typically considered when no other options, such as a Consumer Proposal, are viable for your situation.

•The bankruptcy process generally lasts between 9 to 21 months, during which it can effectively discharge all unsecured debts incurred before the filing date.

Person in suit removing a wooden block from a Jenga tower.

You Got This !!

Journey

You’re not alone; we’re here to assist you in understanding that not all debts are bad. In fact, there is such a thing as good debt, which can pave the way to financial freedom.

Through our credit consultation services, we help you manage your debt today and explore options like a Consumer Proposal or effective debt reduction strategies. Together, we’ll set you up for a healthier relationship with your money tomorrow.

UNIVERSAL CREDIT SOLUTIONS

Debt Counselling Services: Find Your Financial Freedom Today!

Debt Counselling Services: Find Your Financial Freedom Today!