Debt Consolidation In Ontario

Streamline Your Finances with Debt Consolidation in Ontario

Struggling to manage multiple debts? Discover the power of debt consolidation with Maria Rickard & Associates. Our team is here to guide you through the process of combining your debts into a single, manageable payment.

With deep expertise in debt relief solutions, we tailor our approach to your unique financial situation. Our goal is to help you regain control, reduce stress, and pave the way for a debt-free future. By consolidating your debts, you can simplify your financial life, potentially lower interest rates, and work toward becoming debt-free sooner.

At Maria Rickard & Associates, we’re not just about numbers – we’re about your financial well-being. Our dedicated professionals will walk you through the options, ensuring you make informed decisions every step of the way.

Take the first step toward a more secure financial future. Contact us today to explore the benefits of debt consolidation and embark on your journey to financial freedom.


Streamline Finances: Explore Debt Consolidation

In Ontario, two paths to debt consolidation exist: high-interest debt consolidation loans or interest-free consumer proposals. When it comes to debt consolidation, most are familiar with loans. However, a lesser-known yet superior method is the interest-free consumer proposal—a smarter way to consolidate debt.

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Our Mission

At Maria Rickard & Associates, our mission is to empower individuals and families across Ontario with effective debt consolidation solutions. We strive to alleviate financial burdens by providing personalized strategies that pave the way for long-term stability and a brighter economic future.
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Our Vision

Our vision is to be the beacon of hope for those seeking debt consolidation in Ontario. We envision a community where financial stress is replaced with empowerment, where individuals confidently navigate their financial challenges, and where Maria Rickard & Associates is synonymous with unwavering support and lasting debt relief.

100% Success Rate

We'll Consult, Chart, and Champion Your Debt-Relief Journey. With a Proven Track Record, We're Committed to Guiding You Towards Wealth Building, Alleviating Financial Strain, and Ensuring a Decision You Can Trust.

60+ Years Experience

Maria Rickard & Associates: 60+ Years of Combined Expertise. Experience Financial Transformation with Our Trusted Guidance. Our Small Company, Your Big Advantage.

Highly Recommend

Amid these challenges, your financial well-being is our top concern. We're dedicated to shielding you from exploitation during this vulnerable time. Count on us for unwavering focus on your financial security, ensuring you navigate with confidence and peace of mind.

Free Consultation

Embark on a Debt-Free Future. Our Ontario Licensed Insolvency Trustees offer a free consultation for a confident financial journey. Rely on our expert guidance and steadfast backing. Schedule now—leave the rest to us.
Who We Are

Choose Maria Rickard & Associates: Your Bridge to Financial Renewal with Expert Licensed Insolvency Trustee Services In Ontario

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Discover Frequently Asked Questions from Our Support

  • Debt consolidation loans emerge as an appealing fix for indebted individuals. They swiftly end collection calls, simplify payments, and often sidestep credit checks. While these seem advantageous in the short run, they can have prolonged repercussions.
  • High-interest debt consolidation loans are frequently marketed as effortless funds by external lenders. However, they neglect to disclose the arduous repayment process and the potential for an escalating cycle of debt.
  • Certain consolidation loans carry interest rates nearing 60%—the maximum permissible rate in Canada. This figure skirts the boundary of legality. If your loan’s cumulative interest surpasses what you currently pay individual creditors, you might plunge deeper into debt. Many individuals inadvertently witness their payments rise instead of decline after choosing consolidation.
  • A Consumer Proposal allows you to consolidate your debt into one monthly payment that is interest-free.

Debt consolidation involves merging your various debts (credit cards and loans) into a single monthly payment.

Consolidation loan rates can near 60%, Canada’s non-criminal limit. If exceeding current creditor rates, debt might rise.
Often, payments increase with these loans.
Offering high-interest loans to debt-burdened individuals is akin to worsening their situation.
It’s comparable to adding weight to a drowning person.

Debt consolidation loans can seem appealing for those grappling with debt, offering a swift resolution to halt collection calls and simplify payments. Some lenders even waive credit checks. Although these advantages are evident in the near future, they might lead to lasting consequences. Many consumer proposals encompass debt consolidation loans.

Selecting an unmanageable-interest debt consolidation loan could lead to missed monthly payments, harming your credit score.
If your credit history is already weak, you might only qualify for high-interest consolidation loans.

Get In Touch

Contact Information


1351 Dundas St. W, Toronto, ON, M6J 1Y3

Sault Ste.Marie

123 March Street, Suite 10 Sault Ste. Marie, ON, P6A 2Z5
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