Solutions Credit Counselling is independent Credit Counselling Agency in Canada that works for you. We do not get paid by the banks or credit card companies. Our Debt Management Program is not a consolidation loan but rather a consolidation of your debts into one monthly payment. We negotiate interest rates with you creditors to as low as 0% and stop Debt Collector’s calls. You will avoid Bankruptcy, keep your assets and be Debt Free again. There is no penalty for paying out early or defaulting on the Program. More important you Canadian Creditors work with us! Visit http://creditsolutions.ca or call 1(877)588-9491 for more info.