Every debt situation is different. We'll help you understand every option so you can choose what's right for your life.
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Most Popular
Debt Management Plan
Our flagship program. We negotiate directly with your creditors to reduce interest to 0–7% and consolidate everything into one manageable monthly payment.
Interest reduced to 0–7% (avg Canadian credit card rate: 21%)
All unsecured debt consolidated
Collection calls stop immediately
Professionally administered trust account
CCC-accredited program
Before Flo Finance
$1,240/mo
→
On $38,000 of debt — 48 month plan
Get Started Free →📞
Credit Counselling
A free, confidential session with a certified credit counsellor (AFCC-designated) to review your full financial picture and present all your options.
No cost, no obligation
AFCC-certified counsellors
Budget analysis included
Referral to LIT if needed
Available by phone, video, or in-person
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Financial Education
Workshops, guides, and 1:1 coaching to build lasting money skills — for individuals, families, and employers.
Employer workplace workshops
Budgeting and credit rebuilding
Mandatory DMP counselling sessions
Downloadable tools and calculators
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Debt Assessment
A comprehensive review of your debts, income, and assets to map the fastest, most affordable path to debt freedom.
Full creditor analysis
Option comparison report
Next steps roadmap
Completely confidential