BDO Debt Solutions has a team of Licensed Insolvency Trustees and debt counsellors, providing one-on-one counselling for debt consolidation, credit counselling, consumer proposals and bankruptcy since 1958.

You can schedule a free, no-obligation consultation via phone call to discuss all your options, including bankruptcy alternatives like debt consolidation. 

They consistently provide appropriate solutions that match the client’s status and capacity to pay. 

Previous clients also say that the counsellors can laymanise their assessments and recommendations so you wouldn’t have a hard time understanding the issue and solution. 

We like that they don’t charge upfront payments unless a final agreement has been made. This way, clients won’t end up in more debt.

However, we noted some reports of slow account updates. These incidents mainly occurred with client accounts where payments were reflected in the company’s system and did not match bank records. 

On a better note, they have a free online debt solutions guide on their website. We think this tool is useful because it helps clients be aware of their situation, thus allowing them to make informed decisions.

Finally, we appreciate their free and accessible online debt solutions tools. From repayment options and debt-to-income calculators to downloadable budget planners, clients can use these to help guide their way to becoming financially independent.

With over 12 years of experience in the industry, Credit720 continues to offer expert advice in debt negotiations, helping clients protect their assets.

They provide professional counselling for debt consolidation, and you can benefit from their free 1-hour consultation to have a better understanding of the situation and decide if their services can help you.

On the downside, we noticed some complaints about their unresponsiveness, specifically with unanswered calls for queries or follow-ups.

We also discovered that they can reduce your debts by up to 70% to 75%. Among the 5000 satisfied clients we surveyed, we heard a lot of good feedback from those who made debt consolidation loans — solidifying their debt reduction assurance.

However, several clients we talked to noted a lack of details during the discussion of the terms and inclusions of the agreement.

On a better note, senior citizens can also request home appointments, which is helpful for those who have difficulty leaving their homes. 

In addition, potential clients can also opt for consultations over Skype, which is great for those who prefer contactless meetings.

It’s also good to point out that you can book an appointment on Saturdays, which is a good thing for those who are busy working on the weekdays.

Lastly, we appreciate that you can have a visual estimation of your debt consolidation over 5-year and monthly payments, thanks to their debt calculator. It saves you time waiting for a reply or a self-computation. 

Established in 2002, Bromwich+Smith provides debt relief solutions that are legally binding on creditors. What we like most is its team of specialists and Licensed Insolvency Trustees authorized by the Federal and Provincial governments.

Furthermore, they offer free debt relief consultations over the phone. This aspect helps clients develop a clear picture of their financial situation and develop a personalized debt relief solution.

We are glad to learn that they are open seven days a week and can accommodate as many clients as possible, especially over the weekends.

But contrary to this, we heard complaints about their customer service. There were instances of clients having difficulty getting a hold of someone on the phone.

Additionally, we noted that some clients had concerns about being neglected and pushed back. There were also numerous reports of being assigned different consultants for every session. 

These unfortunate occurrences caused lapses between discussions made with the initial consultant and the next one, which led to errors and missed information. Some even had delays in processing their loans because of this issue.

As for debt advisor tools, the company provides a comprehensive debt calculator and budget planner, which helps you along the process of resolving your debt. We believe this is beneficial for those who are not used to or new to this situation.

Having 40 years of experience in the industry, Hudson & Company helps clients deal with credit card debt, income tax, judgments and other kinds of debt.

They provide proposals for your creditors, undergo debt consolidation, and credit counselling, review your options, or get help filing for bankruptcy.

Even though they are closed on weekends, we like that you can request extended evening and weekend hours to make it easier on your schedule. However, we must mention that this may lead to extra charges.

For those who want to understand the process and weigh-out options, Hudson & Company offers free consultations. You can give them a call or send an email to avail of this service.

On the downside, we noted some complaints about the lack of response and inconsistent communication. Some clients mentioned that they were answered by a machine even after multiple attempts, while others didn’t receive replies via email.

On a positive note, Hudson & Company has consistently provided efficient solutions for their clients throughout the years. For instance, a client successfully paid off her debt from 2019 to 2022, thanks to the guidance of their consultants.

We also appreciate the free resources available on their website, such as debt learning guides, a bankruptcy calculator, and explanations of crucial laws. Notably, these can assist clients in making better decisions on choosing their options.

MNP Debt offers assistance to both individuals and businesses that are struggling with debt. They provide debt consolidations, consumer proposals, bankruptcy alternatives, and other debt relief solutions.

We love that the company has a large team of over 50 Licenced Insolvency Trustees with more than five decades of combined experience in providing debt relief solutions. 

Notably, this large number of personnel has allowed them to accommodate different clients and their unique needs. 

As for their debt consolidation services, we are impressed with how they thoroughly evaluate the qualifications of their clients. Additionally, the team has the expertise in looking for legal loopholes to gain easy approval of single monthly payments.

Moreover, MNP Debt offers free consultations to help clients weigh their options. We like that they emphasized that this is non-obligatory, and you can still decide whether or not you want to proceed with their services.

Just a heads up: their interest rates are slightly higher compared to the other debt consolidation services in Calgary. There were also unfortunate occurrences of slow loan and accounts processing, causing more distress for the clients. 

On the other hand, they offer flexible monthly payment terms–a plus in our books!

Finally, they have a YouTube playlist that you can access for free and watch their videos on financial literacy, debt and credit tips, and more, which we think can help you have more financial independence and awareness.