For years now Canadian homeowners across the country have been using a form of money called "credit". With "credit" we as Canadians have many options in our day-to-day lives on how we choose to use our credit.

But what happens when it comes time to pay back the money we have owe by using our credit to purchase the things we desire? This is a situation that many Canadian homeowners find themselves in year after year and especially around Christmas time. Sometimes bad things happen to good people that can cause this to happen, a lay-off, injury/illness that prevents work or even a divorce/separation.

What most Canadians do not know is that they have more options then they think they have. As a professional in debt arbitration I have heard many stories from people about how they have huge amounts of debt, not enough money to pay them, and the painful stress and embarrassment it causes. The 3 most common areas:

1) Stress in the marriage.
2) Stress in the home life.
3) Stress in the workplace.

In the end the question is always the same "HOW DO I GET OUT OF DEBT?" Allow me to introduce you to Total Debt Freedom Inc. Canada's best choice in debt management for today's Canadian homeowner.

Total Debt Freedom or The TDF group offers real debt solutions working in your best interest that the banks and collection agencies don't want you to know about.

The TDF Group has built a foundation on over 10 years of hands on Collection and Credit industry experience. With this experience we have designed our proven debt settlement technique with our client's creditors effectively lowering the total debt owing by as much as 70%. With The TDF Group in your corner you will save thousands of dollars on the debts you owe. Within a three-week time period The TDF Group can effectively and ethically eliminate your debt reflecting a zero balance on your credit report allowing you to live a life of financial wellness. Once presented with the option of acquiring The TDF group to manage your debt, some commonly asked questions arise.

1.Do I have to sell my assets to get out of debt?

No, The TDF Group will use proceeds from a mortgage on your home to fund your debt settlements. With our service you retain all your assets!

2.Is the TDF Group the same as Credit counseling?

No, with credit counseling you will be put on an average 5 yr payment plan that will forgive you of interest in a best case situation but not the principal.

3.Should I see a Trustee and file for bankruptcy?

This should only be considered in a worstcase situation. Much like credit counseling, going bankrupt is a service designed and funded by banks a trustee works in the best interest of the bank not you. Their job is to recover as much money for the creditor as they possibly can. In doing this you will lose all assets remaining in your control.

The TDF Group has put together a Debt Management Foundation that helps Canadians keep their homes and assets by helping drive our great nation rather then hinder it by harassing Canadians with common scare tactics to pay off debt with money they simply don't have. Smart people list their homes with Com Free to save thousands of dollars on real estate agent commission's right? Why not go to Total Debt freedom to save thousands of dollars on the delinquent debt and interest you owe. The TDF group is a one-stop shop in Debt Management for Canadians across the country.

We can review your situation with our free consultation, arrange the best possible mortgage for you at the best possible interest rate, and negotiate your debt to a significantly lower amount saving you thousands of dollars. In the end you will only have your mortgage and common life expenses and you will retain all your assets! Visit us at www.TDFGroup.ca

[ Select another article ]