We Provide Cost-free Initial Consultation With No Obligation



Western Canada

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Eastern Canada

Why Us ?

Real Solutions For Your
Real Problems

Business Solutions and Credit Counselling Services (BSCC) is a registered credit counselling firm. BSCC is not a LIT (Licensed Insolvency Trustee) thus BSCC only represents our clients. For over two decades, we have assisted hundreds of thousands of consumers throughout Canada who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to absolve your financial burden and stress.

$2,873.24 CAD / BILLIONS

Canadian household debt

(Source: CEIC Data)

$73,500 CAD

Debt on average Canadian

(Source: cbc.ca)

$36,241 CAD

Debt on average Canadian
(ages 46-55)

(Source: Equifax.ca)

$1.71 CAD

For Each Dollar They Have Canadians Owe $1.71 in debt

(Source: BNNBloomberg.ca)

Student Debt from All Sources

By Province of Study and Level of Study

Student Loans - Stats Canada

How we help:

Our Services

Are you drowning in debt and feeling overwhelmed? Let BSCC help you navigate your way to financial freedom with our expert debt reduction services. Our team of dedicated professionals will work with you to create a personalized plan to tackle your debts and ease your financial stress. Don’t let debt control your life any longer – take the first step towards a brighter financial future with BSCC today.

Debt Consolidation

If you own real estate property in Canada and have built up equity over the years, we can assist you unlock the equity in your property for debt consolidation. You can refinance your Home to pay off debts, reduce interest rates on your high interest credit cards and make one monthly payment to manage your budget and finances better. This could be the right option if you don’t want your credit score affected in a negative way. Contact us to discuss your options.

Debt Settlement

If you have missed making your monthly payments, your credit accounts have been cancelled due to non-payment and assigned to a collection agency or a law firm, BSCC can assist you to settle the pass due accounts with a lump sum payment and stop all collection calls. This option will also allow you to start rebuilding your credit score and update the pass due account as “settled” on your credit bureau report to improve your credit rating.

Consumer Proposal

A consumer Proposal is an available option under the BIA Act to pay back your debts to your creditors at a reduced amount and receive creditor protection. Depending on the individuals unique situation, often the debts can be reduced by up to 80% of the original amount. After filing this process all collection activity from your creditors will stop. A Consumer proposal could be the right option for you. Contact us to discuss your situation.

Bankruptcy Protection

Bankruptcy is a legal process available under the BIA Act to eliminate all unsecured debts and can only be filed with a LIT. Depending on the individuals unique situation, filing a Bankruptcy could be the most suitable option. Based on the individuals ability to pay back their debts, being on a budget with limited income, not owning any real assets or real estate property with significant equity and if the individuals monthly income & expense budget doesn’t allow them to afford a Consumer Proposal payment – this could be the right option. Contact us to discuss your situation.

Credit Rebuilding Program

BSCC can assist you with ways to re-establish a strong credit score even after filing for a Bankruptcy or a Consumer Proposal. We can assist with error correction with the credit bureau to ensure all reported information is accurate. This is one of many advantages of working with BSCC, as we continue providing on going support for our clients post filing for Insolvency.

CRA and Student Loans

Canada Revenue Agency tax debts can be challenging to deal with as all Canadians are expected to comply with the Canadian Income Tax Act. If you find yourself being behind on tax filing, owing previous years taxes, corporate or personal, it could be possible to settle your tax debts depending on your financial situation. We can assess your unique situation to determine your ability to pay back your tax debt and suggest the most suitable solution accordingly.

For student loans, the average student loan debt load is estimated to be about $17,000 or more (Source: statcan.gc.ca). Student loans are dealt with in a unique way as it can only be reduced under the BIA Act if the last date of attendance for the student was seven years ago or older. It very important to obtain the last date of attendance from Canada student loans in writing to avoid any discrepancies. Contact us to discuss your situation.

Female manager consulting client with documents at office meeting. Vertical.

BSCC IS CANADA WIDE

Our Offices Are Located All Over CANADA

We are where you are. Please contact our local office to receive assistance in your immediate locality. Our offices and staff are always happy and ready to help you.

VANCOUVER

Phone: (604) 951-8984
Our Fax No: 1-888-401-8984

TORONTO

Phone: (905) 789-8984
Our Fax No: 1-888-401-8984

CALGARY

Phone: (403) 714-8984
Our Fax No: 1-888-401-8984

EDMONTON

Phone: (604) 951-8984
Our Fax No: 1-888-401-8984

WINNIPEG

Phone: (204) 962-8984
Our Fax No: 1-888-401-8984

Avoid Bankruptcy:

Consult with Us About Reducing Your
Debt, With a Simple
Phone Call!

We can negotiate the best deal for our clients as we only represent our clients, not the creditors and banks. Our experienced credit and debt counsellors can help you reduce your payments, regain control of your debt, and rebuild your credit so you can finally breathe easily again. You do not need to live with stress and anxiety—make a change today and start on the road to financial recovery. BSCC is here to guide and assist you.

1-866-790-8984

Call Our Nationwide Number Now.

Blonde woman wearing accessories crying visiting therapist

Bankruptcy is Not
the Only Option

This can negatively affect your credit and your future. Alternatively, you can consider filing a Consumer Proposal with a LIT to your creditors. This process will provide you with a “Stay of Proceedings” against all your creditors, stopping all collections and court actions against you. A Consumer Proposal is a legal remedy for dealing with your outstanding debts under the Bankruptcy & Insolvency Act and can only be filed through a LIT. You can often reduce your debts by 50 to 90% (**Results may vary on a case-by-case basis. Some restrictions apply.). Talk to our counselors today to determine if filing a Consumer Proposal with a Licensed Insolvency Trustee (LIT) is right for you.

1-866-790-8984

Call Our Nationwide Number Now.

Learn About Bankruptcy

Learn About The Process

Bankruptcy Details

CONTACT US

Schedule a Free Consultation

Our counselors are ready to assist you. Please contact us by phone or submit a query and our staff will follow up with you. It is always a difficult and daunting step to discuss your financial difficulties. Please note many find themselves in similar circumstances. Our job is to assist you get out of your difficulty. We are here to help.

TESTIMONIALS

Our Customers’ Experience

Discover what our clients say about their experience with Business Solutions & Credit Counselling Services.
Real stories of success, reliability, and partnership.

FAQs

It is always a daunting and intimidating process to discuss your financial troubles and seek help. Please know, you are not alone and there is help available. Refer to our FAQ section to get answers to all your questions about debt relief in one place.

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