Debt Management Program in Atlantic Canada

Stop or lower your interest. Make one monthly payment. Let us deal with your creditors.

If you’re struggling to keep up with bills, you’re not alone and you’re not a failure. Life gets expensive. Interest adds up. And sometimes, it feels like you’re drowning.

You might be:

Making minimum payments with no end in sight
Juggling multiple credit cards or overdue bills
Getting calls from creditors or collection agencies
Losing sleep over how to make it all work

A Debt Management Program (DMP) can take that weight off your shoulders.

How a Debt Management Program Works

A Debt Management Program helps you combine your unsecured debts into one manageable monthly payment — with lower or no interest, and full support from our team of accredited financial counsellors.

Here’s what makes it different:

We negotiate with your creditors to reduce or eliminate interest
You make just one monthly payment to us
We pay your creditors on your behalf
You no longer have to deal with collection calls or multiple due dates
You gain the financial education to stay out of debt

It’s a structured, supportive way to pay off debt and breathe easier again. Not only do you get to feel good about paying back your debts, but you also gain the tools to stay out of debt.

What to Expect

Here’s how to get started with a Debt Management Program:

Book a Free Consultation

Meet with one of our non-profit certified financial counsellors who will listen without judgment or pressure.

Review Your Finances Together

We’ll go over your full financial picture and explain all your options.

Get a Customized Repayment Plan

If a DMP is right for you, we’ll build a plan that fits your budget and goals.

Make One Monthly Payment — We Handle the Rest

You pay us once a month. We take care of paying all your creditors directly. No more juggling bills or dealing with stressful calls.

Common Questions About Debt Management Programs

Will this affect my credit score?

A completed DMP generally remains on a credit report for 2 years after completion, whereas a consumer proposal typically remains for 3 years after completion. Most clients find that completing a DMP leaves them in a stronger financial position than when they started.

Is this the same as bankruptcy?

No. A DMP is a voluntary alternative to bankruptcy that helps you repay what you owe in full — with support and reduced interest — without legal proceedings or asset loss. A bankruptcy is a legal process that becomes a public record.

What kinds of debt can I include?

Unsecured debts, including credit cards, lines of credit, licensed payday loans and overdue bills.

Is the program free?

Your consultation is always free. If you enroll, there’s a small monthly admin fee built into your single payment, but it’s far less than what most people pay in interest alone.

Real Stories from People We’ve Helped

“We definitely would recommend doing it, and the sooner the better. Even if it seems like an expensive monthly payment, it’s totally worth it for the peace of mind. To have all the collection calls and stress go away, and to have someone advocate for you so you can sleep at night, is priceless.”

Kim & John

Halifax, NS

Why Choose SolveYourDebts.com

For over 30 years, we’ve helped countless individuals and families solve their debts through expert credit counselling, budget mentoring and tailored financial education programs. As a not-for-profit organization, we always have your best interests at heart and will help you avoid bankruptcy whenever possible.

We believe our certified counsellors are the best of the best—it’s your financial future, and you shouldn’t settle for less. You can rest assured knowing that SolveYourDebts.com is committed to helping you get your finances back on track.