Debt Relief in Ottawa, Ontario
If you're feeling overwhelmed by debt and unsure where to turn, you're not alone. Many individuals and families in Ottawa and across Ontario face financial challenges that can feel impossible to overcome. Whether it's credit card debt, tax obligations, or loans, the pressure can be relentless. At D. & A. MacLeod Company Ltd., we specialize in helping people just like you find real, lasting solutions through personalized debt relief strategies. With over 70 years of experience, we’re here to guide you toward a fresh financial start.
WHAT IS DEBT RELIEF AND WHY PEOPLE SEEK IT
Debt relief refers to any method that helps reduce, restructure, or eliminate personal debt. It’s designed to ease the burden of overwhelming financial obligations and provide a path toward stability. People seek debt relief for many reasons, including:
High-interest credit card debt
Job loss or reduced income
Medical expenses
Tax debt or CRA collections
Student loan repayment difficulties
Legal actions like wage garnishment
Debt relief can take many forms, from informal budgeting help to formal legal processes. The key is finding the right solution for your unique situation, and that’s where our team comes in.
DO I QUALIFY FOR DEBT RELIEF IN ONTARIO?
Eligibility for debt relief depends on several factors, including your income, assets, types of debt, and ability to make payments. You may qualify if:
You’re unable to keep up with monthly payments
You’re receiving collection calls or notices
You owe money to the CRA or other government agencies
You’ve missed payments on loans, utilities, or insurance
You’re considering bankruptcy or a consumer proposal
​At D. & A. MacLeod Company Ltd., we offer free, confidential consultations to assess your situation and recommend the most effective path forward. Our Licensed Insolvency Trustees are here to help you understand your options and take control of your financial future.
DEBT RELIEF SOLUTIONS WITH D. & A. MACLEOD COMPANY LTD.
Understanding that facing debt can be overwhelming, we offer compassionate, personalized solutions to help you take back control and move toward a brighter financial future. Our solutions include:
Consumer Proposals
A consumer proposal is a formal agreement with your creditors to repay a portion of your debt over time. It’s a powerful alternative to bankruptcy that allows you to keep your assets and avoid interest charges.
Personal Bankruptcy
When debt spirals out of control, bankruptcy can provide a new beginning. Our team will guide you through the process with compassion and clarity, helping you understand your rights and responsibilities.
Credit Counselling
We provide expert advice and budgeting support to help you manage your finances and avoid future debt. Credit counselling is ideal for those who need guidance but want to avoid formal insolvency proceedings.
Debt Consolidation
Debt consolidation helps you merge multiple debts into a single, more manageable monthly payment. Often resulting in lower interest rates, it can be a great option to simplify your situation and reduce financial stress.
Tax Debt Solutions
Owing money to the CRA can be stressful. We help you explore legal options to reduce or eliminate tax debt through proposals or other relief programs.
Student Loan Assistance
If you’re struggling with student loans, we can help you understand your repayment options and whether relief is available through a proposal or bankruptcy.
Wage Garnishment Help
If your wages are being garnished, we can stop the process and help you regain control of your income through legal solutions.
CERB Repayment Support
If you’ve been asked to repay CERB benefits, we can help you navigate your options and reduce the financial impact.
FREQUENTLY ASKED QUESTIONS
WHY TRUST D. & A. MACLEOD COMPANY LTD.?
With over 70 years of experience, we’ve helped thousands of individuals and families across Ottawa and Eastern Ontario find lasting financial solutions. As a Licensed Insolvency Trustee, we are federally regulated and authorized to provide debt relief services with integrity and professionalism. Counting on a skilled team of professionals, we can provide you with the solution you need to regain your financial life.
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Explore our testimonials and see what our clients have to say about us.
