Debt has a
way out.
We negotiate with your creditors to lower what you owe, stop the interest, and roll everything into one affordable monthly payment, so you can breathe again.
See how much you could save
Estimates are illustrative. A Consumer Proposal is a legal process filed through a Licensed Insolvency Trustee, with a minimum repayment of $6,000 (about $100/month over 5 years); your actual amount depends on your income, assets, and creditors. Bank loan and "do nothing" figures assume repayment over 5 years at the interest rates shown. Your consultation is free and never affects your credit score.
If any of this sounds familiar, we can help.
Debt is heavier than a number on a statement. Here's what most of the people we help are carrying when they first call.
The calls won't stop
Collection agencies calling at work, at home, on your cell. We can become the point of contact so the phone goes quiet.
Interest eats every payment
You pay every month and the balance barely moves. High-interest debt is designed to keep you there. We cut the interest out.
Too many creditors
Different balances, different due dates, different rates. We combine them into a single plan and one predictable payment.
One clear way out: the Consumer Proposal.
A Consumer Proposal (what many people simply call debt consolidation) lets you clear your unsecured debt for a fraction of what you owe, at 0% interest, in one affordable monthly payment. We do the heavy lifting: reviewing your full picture, negotiating with your creditors through licensed, regulated providers, and building a plan around what you can actually afford.
We help with unsecured debt like:
- One affordable monthly payment
- Interest reduced, often to zero
- A clear, finite payoff date
- Work with licensed, regulated providers
Four steps to a fresh start.
Simple, transparent, and built around your budget, not the bank's.
Free consultation
Tell us what you owe and to whom. No judgment, no cost, no impact on your credit.
Your custom plan
We map out your Consumer Proposal and show the numbers side by side: what you pay, and what you save.
We negotiate
We deal with your creditors and providers to reduce balances and cut interest.
One payment
You make a single monthly payment and watch the balance fall to zero.
People who got their life back.
"The staff took the time to explain every single detail of the consumer proposal process in plain English. I never felt rushed or confused. It was a very fast transaction process, and the experience was incredibly smooth from start to finish."
"The staff at Xcash Debt were very helpful and professional. They explained everything clearly and helped me find a solution for my financial situation. I appreciate their support and patience throughout the process."
"I had a very smooth and stress-free experience filing my consumer proposal, thanks to the help of Barak. He was very professional, patient, and knowledgeable, and he explained everything clearly, which made the whole process much easier to understand."
"I was really anxious at first, but knew I just needed to do it, and I'm so glad I went with Xdebts Debt Solutions. Barak and the team made the whole process stress-free, smooth, and easy to navigate. They were very knowledgeable, supportive, and built trust right away."
"I was nervous to start the process of a consumer proposal, but after meeting the guys this soon passed. They put me at ease and worked through my problems with me, telling me what to do now and what to do next. They made my big problem look small and I could breathe again."
"I had a great experience with xcash. The people are very welcoming and friendly, they explained everything and meet your needs. Great customer service! Most specially Mr. Barrack, who helped me for everything and make everything easy."
Answers before you call.
When debt stops running your life, everything changes.
Book a free, confidential consultation today. In one call you'll know exactly what your way out looks like.