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FAQs

Save big, live large – a payment makeover that works!
No more living paycheck to paycheck

Become debt free in 24 - 48 months

Save big, live large – a payment makeover that works!
No more living paycheck to paycheck
Become debt free in 24 - 48 months

Frequently asked questions

Take a look through some of our most commonly asked questions. If you have another, don’t hesitate to get in touch with us.

Ask us something

Can you help me with my student loan debt?

Student loan debt can be a heavy burden for many people. If you're seeking relief, we offer various programs that can help eliminate certain student debt. This is based on factors such as the age of the loans, whether they are government-backed, and your budget. Find out more by filling out our form here.

How do I know if I am eligible for debt relief?

We understand that every individual's financial situation is unique and requires a personalized approach. With our expertise and understanding of the various financial challenges that families may face, we can provide solutions that are tailored to your unique circumstances. No matter what you're facing, we are committed to providing customized solutions that help you achieve your financial goals.

Is this the same as filing for bankruptcy?

No, our Debt Relief program is not the same as bankruptcy. It is a legal way to reduce or eliminate unsecured debt. Our team of experts will work with you and your creditors to create a personalized plan that meets your individual needs. We understand that each situation is unique, which is why we work to help you keep assets such as cars, homes, and more.

Can I keep my credit cards?

In certain situations, it may be possible to retain a credit card with a zero balance after enrolling in a Debt Relief program. However, if you have outstanding debts and apply for Debt Relief, your creditor may cancel your card. Carrying a balance on your credit cards only benefits your creditors.

We understand the importance of credit cards in today's economy and the difficulties of living without one. On your credit card statement, you can see how many years it will take to pay off your debt if you only make the minimum payments. As you make progress in paying off your debt, it's a good idea to close your credit card accounts to prevent further accumulation of debt.

During the program, we can also help you obtain a credit card with a suitable level of spending control. CDH-enrolled clients get secured credit cards in less than 5 minutes.

How much does debt relief cost?

We help our clients pay back a fraction of what they owe, including our small fee, which is typically around 1-2% of the total debt. This fee is minimal compared to the debt reduction and overall financial improvement as a result of our guidance.

It's important to note that we are not funded by creditors, and we have no conflict of interest. Our loyalty is sole to our clients, and we are committed to helping them achieve financial stability.

Does debt relief affect my credit score?

Yes, your credit score will be affected. It is important to remember that although having a good credit score is important, it's not the only factor that lenders consider when deciding whether to grant credit. If you're struggling to pay off your debts every month, your credit score won't matter much. The goal should be debt freedom, not a high credit score.

Our team of certified and experienced professionals are dedicated to helping our clients understand their financial situation, create a personalized plan, and guide them through the entire process. In addition, we use our expertise to work with creditors to negotiate lower payments and interest rates and provide other debt-relief options. Our approach is tailored to client’s financial needs and goals and also provides them with education on budgeting and money management.

How does it work?

Get a free savings estimate

A debt relief specialist will evaluate your debts and your budget, recommending a program that works for you.

Reduce your payments

Roll bills into a low monthly payment that works for you and your budget.

Become debt free

Start today and you could be debt free in just 24-48 months, saving thousands in the process.

Debt Calculator

Work out what your monthly repayments could be under each of our different debt solutions.

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Take it from the people we’ve helped

We are proud to have changed the lives of many people, just like you, by finding a debt solution that suits their needs.

If you need debt help call CDH

"If you need debt help call CDH. I was struggling everyday trying to figure out how I'm going to be able to take care of my family without being able to make it from pay day to pay day and CDH got back to so quickly and got everything set up for me. I am now on the right path to being 100% Debt free and my future looks brighter and better everyday thanks to there help!"

Danielle Jonassen

Above and beyond

"The people who helped me become debt free go above and beyond. They really help reassure and understand the process. I am extremely pleased with this company and their representatives. Thank you CDH!"

Angelique

Canada debt help is an amazing fast…

"Canada debt help is an amazing fast service! I can't wait for my financial freedom in my near future."

Samantha