Halifax Debt Freedom

Consolidate your debt and Become Debt Free in Sackville

  • Our plans are 100% legal and have helped thousands of families and individuals
  • We design your plan based upon your goals such as buying a house, afford retirement, or simply stopping the stress.
  • Our Halifax debt relief experts have assisted in restructuring millions of dollars of debt for Nova Scotia residents.
  • We work with our clients to help them get out of debt and more importantly stay out of debt.
  • Our free consultation comes with no pressure to sign contracts or obligations.

We'd love to discuss how we can help you become debt free

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HALFIAX DEBT FREEDOM - SACKVILLE

Sackville is much more than just a suburb of Halifax; it’s a community. The rest of Canada might not know about us but we’re the home of a lot of Nova Scotia’s best kept secrets. Hikers love Sackville Provincial Park, one of the most gorgeous spots in the region. Hungry? You can get incredible food at Hellas Diner or you can stop in for some of the best seafood in the region at a little known spot called Rowshan. The culture and community here are something to behold and the creativity of our residents has bred incredible artists, musicians, and chefs.

While we’re a great spot to raise a family, there’s one thing we’re not so fond of – our consumer debt. Nova Scotia has one of the highest consumer credit card delinquency rates in the country. That’s a problem because Canada already has one of the highest consumer debt rates in the whole world. When you take on too much debt, you risk losing assets like your home. Not being able to pay your bills will lower your credit score. Having a low credit score can make it difficult to secure financing for things like a home or vehicle. It can also make it harder to qualify for lower interest rates, compounding your debt problem. Living in debt is unsustainable.

Here, we dream of a Nova Scotia unburdened by consumer debt. We want to help you pursue your dreams without worrying about a mounting pile of missed payments and calls from collection agencies. We want to help you escape from your financial woes so you can step boldly into your future. We want you to have enough credit to get a car, get a home, pay for your post-secondary education, and/or begin saving for your retirement.

There are a lot of tools in your toolbox; tools you probably don’t know about. We’re debt experts so we will help you create the best strategy for you to get out of debt. The process won’t always be easy, but it will always be better in the long run.

 

Imagine a Debt-Free Future

You might need debt restructuring where we help you lower your debts and find a new affordable payment arrangement. You might need to file for bankruptcy – this is the last resort and often sounds scary, but it can be a valuable tool for getting out of debt that seems insurmountable. There are plenty of other tools in your financial toolbox – tools we’ll help you learn about.

Once you’re out of debt, you’ll need to rebuild your credit rating and you won’t have to do it alone. We’ll help you create a strategy for rebuilding your debt, a strategy that will include saving money to create a nest egg and getting your credit score high enough that you can apply for a mortgage. Your debt might seem too big to deal with, but we’re here to help. Trust the professionals – free yourself from debt and follow your dreams. 

97% of families successfully complete the plans we create and become debt free.

Frequently Asked Questions

How much will it cost me to work with us?

Our office provides a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives.

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Do I get to keep any credit cards?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance

Read More

What is debt restructuring​?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so.

Read More

Will debt restructuring affect my credit rating?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar, it will have a negative effect on your credit rating.

Read More

How much will it cost to work with us?

Our office provides a free 1-hour information session, educating you about all the options available; Learn more about how to deal with overwhelming debt and bankruptcy alternatives.

These sessions can happen in our office or via skype or telephone.

  • Get expert answers about your current debt situation and an unbiased review of your options.
  • Get detailed information about how consumer proposals work and what is required to file one, debt consolidation, credit counselling, and how these debt relief options affect your credit rating and mortgage.
  • Information about spousal responsibility to the debt, the long-term effect of different options on your ability to obtain a mortgage, and what you can do to best deal with your creditors.

Our fees are very reasonable and affordable. The fee will be determined by the complexities of your particular situation. You can rest assured that in your free consultation you will be fully informed as to the total fee and what services the fee includes.

Do I get to keep any credit cards?

This largely depends on the type of restructuring used. If you file a Bankruptcy, then you cannot obtain or have any credit during this process. In other restructuring options, you can keep the credit card if it has a zero balance

What is debt restructuring?

Making the decision to restructure can be a difficult one for some people and it is important to understand both the benefits and implications of doing so.

Restructuring can significantly reduce the debt owed and vastly reduce your monthly payments by removing the financial pressure you face. It will also allow you to repay debt which you probably feel you will never repay. You need to look at dealing with debt as part of your long-term plan and calculate the cost of servicing the debt you have. Is it stopping you from contributing to your children’s RESP’s or your own RSP’s? Is the debt being paid down aggressively or will it be carried out for years before ever being paid off? If you choose to deal with your debt and stop living paycheque to paycheque, the trade-off is you will take a hit on your credit rating. But with the proper plan, this can be minimized and the short-term hit is often worth it, as it allows you to actually meet your long-term financial goals and reduces the constant stress you feel from the debt you carry.

Will debt restructuring affect my credit rating?

Different restructuring options have different effects on your credit rating. As a general rule, any time you settle your debts at less than 100 cents on the dollar, it will have a negative effect on your credit rating.

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Contact Information

Servicing Halifax, Dartmouth, Bedford, Sackville and all of HRM.

Halifax Debt Freedom

902-707-4826

2 Ralston Ave, Suite 100, Dartmouth, NS B3B 1H7

Halifax Debt Freedom is powered by Powell Associates Ltd. A Licensed Insolvency Trustee firm.

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