Resources

The truth about debt — and how to get out

Honest answers from certified counsellors. No jargon, no scare tactics.

📘
The DMP Guide
Everything you need to know about Debt Management Plans in Canada — eligibility, fees, timeline, and what to expect.
→ Free Download
📊
Budget Worksheet
A simple template to track your income, expenses, and debt payments — and identify where you can free up cash.
→ Free Download
📈
Credit Rebuilding Roadmap
Step-by-step guide to rebuilding your credit score during and after a DMP — from our certified counsellors.
→ Free Download
🎓
Financial Literacy Course
Six video modules covering budgeting, credit, debt management, and building savings. Available free to all clients.
→ Client Resource
Frequently Asked Questions

Common questions, honest answers

What is a Debt Management Plan (DMP)?+
How is Flo Finance different from a debt settlement company?+
Will a DMP affect my credit score?+
What debts can be included in a DMP?+
How much does the service cost?+
Do I need to have a certain amount of debt to qualify?+
Is Flo Finance a registered non-profit?+
Free Tools

Understand your debt in minutes

$38,000
21%
4
Estimated DMP monthly payment
$911
per month / 48 months
Your current monthly payment (est.)$1,298
DMP monthly payment$911
Monthly savings$387
Interest you could save (total)$25,536
Interest rate on DMP0–7%
Book free consultation →