Debt Settlement

Everyone has debt problem at one point in life; however, you have the power to decide to solve it. We eliminate your debt painlessly and in a most dignified manner.

Mezed Financial Debt Reduction Program is a viable solution for consumers struggling with debt, and who need fast relief. We may be able to dramatically lower your overall debt in the shortest amount of time, while protecting you from having to file bankruptcy.

Our debt reduction program is first and foremost to help improve your credit. Our program is custom tailored for each individual’s current financial situation in order to make the process as quick and affordable as possible.

If getting out of debt is a concern and you want the industry’s leading debt reduction company on your side, then we encourage you to take a few minutes to talk with one of our friendly and experienced debt consultants today. It’s free, and completely confidential. During your free consultation we will explain how our debt reduction program works, answer all of your questions, and help you understand the other alternative credit and debt solutions that are available. You have absolutely nothing to lose except your debt.

We provide you with relief from creditors and help you rebuild your credit by:

• Fixing your credit if there is any error or any incorrect information
• We work with your creditors to resolve your financial difficulties
• Help you preserve your credit rating by contacting your financial institution and will suggest a customized arrangement in regards to your circumstances
• Consolidate your debts by approaching your bank to help you secure a loan to pay off your outstanding debt.
• Help you file consumer proposal if it is necessary, this agreement between you and your creditors may allow you to pay a small portion of your debt and extend the time of payment of your debt. This will also stop harassing calls, all collection efforts and legal actions by creditors.
• We help you file personal bankruptcy as a last resort to your financial crisis. This process stops immediately all collection efforts, legal actions by your creditor

Why you should come to MFS?

Why you should come to MFS before going to a Trustee in Bankruptcy

• We will be there to help you to put an end to debt collection calls, reduce your credit card debts, and resume control of your finances by empowering you with the right tools to rebuild your credit and regain your financial freedom
• We are Certified Insolvency Counsellors with a vast number of years of experience in consumer proposal and bankruptcy practice in Ontario. We will work on your behalf, look out for your best interest, and save you thousands of dollars.
• We charge a small onetime fee for our services.
• We are essentially mediators who help negotiate a lower consumer proposal monthly payment; lower than what you would have been offered by going directly to the trustee in bankruptcy. 
• We will guide you to get Fast “Full performance Certificate” and Bankruptcy Discharge papers; and also update your records at credit bureaus (e.g. Equifax, Trans Union etc)
• We help you stop debt collector harassment
• We help you reduce your escalating credit card debt with Debt Counselling/Credit Counselling.
• We will help you stop wage garnishment
• We will help you rebuild your credit rating
• We can help refinance your house or obtain approval for a second mortgage to pay off  your Consumer Proposal and rebuild your credit score faster than you would staying in the proposal for five years.
• We will offer recommendations for your financial planning.
• We identify your non-budgetary causes (i.e. gambling, substance abuse, relationship problems) and provide referral to the appropriate resources (i.e. Social Services, Social Workers, Therapists, Psychiatrists, Religious Organizations)
• We can help you file your T1 (Personal Income Tax), T2 (Corporate/Business Tax) and HST before the bankruptcy or consumer proposal.