Write off up to 80% of your unmanageable debt
- Single affordable repayment
- Stop wage garnishments
- Freeze interest and charges
- Government legislated debt relief program
Trusted by thousands
Life changing benefits
Real benefits, real debt relief.
- Eliminate all your debts
- Pay what you can afford
- One low monthly payment
- Freeze interest & charges
- Stop collection calls
- Stop wage garnishments
Takes 30 seconds
Cut your monthly debt payments
Below is an example of common debt balances.
Credit Card
$9,225.20
Personal Loan
$7,231.15
CRA Debt
$4,078.52
Bank Overdraft
$5,860.20
Total Debt
$26,395.07
Monthly payment before and after
Before help
$720
After help
$160
Based on a typical debt scenario. Your results may vary.
Free and confidential
Eliminate most types of debt
- Credit cards
- Personal loans
- Lines of credit
- Payday loans
- Taxes
- Student loans
- Utility bills
Other debts qualify too. Check your eligibility in seconds.
Getting started is easy
Check if you qualify
Answer a few quick questions
You’ll get a call back
We explain how the process works
Discover your options
Plans to reduce your payments
Take the first step toward becoming debt-free.
Apply in 30 seconds
Trusted by thousands of Canadians
Join the thousands we’ve already helped take control of their debt.
I had a wonderful experience with the Moses Advisory team, especially Janelle. She was kind, supportive, and made the entire process so much easier. I feel at ease and like a huge weight has been lifted off my shoulders.
Soheila Adelian
Nikolas was very kind, helpful and respectful. He explained very clearly and answers all the question politely. He is very professional and you can feel his empathy, sincerity and willing to help. Highly recommended.
Jaime Torres
I had THE BEST experience with Moses Advisory! Extremely knowledgeable, they make you comfortable and safe. I recommend them to anyone struggling with debt!
Bri Hiebert
They made the process simple and free of judgment. Thank you to Achu for answering all my questions, to Kathleen for helping me understand the documents, and to James for his support. I highly recommend Moses Advisory Group. I am one step closer to the future I want.
Ariane Siason
Excellent! I was heavily in debt and extremely stressed out, but after the first consultation, they made a very affordable proposal for me. Since that day, my financial situation has improved tremendously! I would highly recommend them to anyone who is suffering from heavy financial difficulties.
Kashaija Stephen
Thanks to Neil from Moses Advisory Group for all your help. I appreciate all your help and understanding through what has been a difficult time. I would highly recommend them.
Candice Knight
I’m very glad that this company was able to give us a lifeline during our financial problems. I’m very grateful for all the support especially to Niko who has helped and guided me along the way. I appreciate your support and very kind excellent service. Thank you all and more power to your company!
Jun Abanilla
Excellent service. Professional advice. Anyone who has financial questions and concerns will benefit from visiting their office. What a great experience. Thank you! Thank you!
Isabel Choconta
Working with this group is great and they helped me greatly. Highly recommend for those with financial problems. Great job guys and thank you so much for all your help.
May Niegos
More reviews
Frequently asked questions
Are you licensed by the government?
This site is brought to you by Moses Advisory Group Inc., a Licensed Insolvency Trustee federally regulated and licensed by the Canadian government.
You can verify our licence on the official OSB registry.
In Canada, only a Licensed Insolvency Trustee can administer government debt relief programs, such as consumer proposals and bankruptcies.
Can I really reduce my debt by 80%?
Yes. A consumer proposal lets you pay back your unsecured debt based on what you can afford. This can potentially reduce your original debt by up to 80%. The final settlement amount depends on your creditors, income and assets.
What debt relief options are available?
Several debt relief options are available, including consumer proposals, debt management plans, and bankruptcy, depending on your financial situation.
Consumer proposals allow you to negotiate a reduced payment while keeping your assets.
Debt management plans involve working with credit counsellors to lower interest rates and establish a repayment schedule.
Bankruptcy can discharge most debts but may require liquidating some assets.
What is a consumer proposal?
A consumer proposal is a legally binding agreement filed through a Licensed Insolvency Trustee between you and your unsecured creditors. In this agreement, you repay a percentage of what you owe to your creditors, while the remainder of the debt is forgiven.
With a consumer proposal, you can consolidate your unsecured debt into one simple monthly payment that remains fixed and does not increase over time.
Once the proposal is filed, you can freeze the interest on your debts, and you can also stop collection calls and wage garnishments due to legal protection known as a Stay of Proceedings.
What debts can be included in a consumer proposal?
You can eliminate most unsecured debts by filing a consumer proposal. Unsecured debts are those not secured against your assets, such as:
- Credit card debts
- Personal loans
- Payday loans
- Bank overdrafts
- Utility bills
- Unsecured lines of credit
- Tax debts (unless the CRA registers a lien on your property)
- Student loan debt if you haven’t been a student for seven years or more
- Unpaid rent
- Debts owed to friends and family.
You must include all your unsecured debts in a proposal.
Do I qualify for a consumer proposal?
To qualify for a consumer proposal:
- Your debts must be under $250,000, excluding your mortgage.
- You must be unable to pay your debts as they come due and owe more than your assets are worth.
- You should also be able to make a monthly repayment after essential bills.
- You must offer creditors more than they would get in bankruptcy.
Helping Canadians break free from debt
With over 20 years of experience, Moses Advisory Group is a Licensed Insolvency Trustee offering tailored debt solutions across Canada including Ontario, Alberta and BC.
We help Canadians regain control of their finances with proven strategies that reduce debt.
- Licensed Insolvency Trustees
- Free, no-obligation consultation
- Locations across Canada
- In-person, phone or video
Reduce what you owe by up to 80%
Reduce your monthly payments and erase a portion of your debt through a government legislated program.
- Reduce debt by up to 80%
- Pay what you can afford
- Stop collection calls
- Stop wage garnishments
- Freeze interest & charges
Trusted by thousands