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Most options just move debt around. They don’t fix anything. Consolidation rolls everything into one payment, but the balance stays the same. Credit counselling helps you manage it… but you still owe every dollar. This is different. It’s a legal restructuring regulated by the federal government that can cut the actual debt by 60–80% and stop collection calls in as little as 48 hours. If the interest has gotten away from you, this is one of the few programs in Canada that actually reduces what yo
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