Debt Consolidation Solutions
High-interest debts and scattered payments can make it feel like you’re running in place.
Free 20–30 minute call. No obligation, no sales pitch.
At Wealth Connections Team, we help you explore debt consolidation solutions that bring your finances into one clearer picture. We focus on strategies that support long-term stability, then connect you with trusted, licensed professionals who can help you put the plan into action.
Who Our Debt Consolidation Solutions Are For
01. Feeling Financial Overload
You’re constantly shifting money between credit cards, lines of credit, and loans. Even when you make payments, balances barely move, and you’re tired of feeling stuck and stressed every month.
04. Life Events & Setbacks
A job change, illness, divorce, or other life event led to credit use that snowballed. You’re now looking for debt relief strategies that are responsible and sustainable—not just another short-term bandage.
05. Protecting Future Goals
You still want to buy a home, refinance, or plan for the future, but your current debt load is in the way. You’re looking for debt consolidation options that support those long-term goals instead of derailing them.
02. High-Interest Debt Spiral
You’re paying high interest on multiple debts and want to know if consolidating into a single, structured plan could save you money and help you get ahead instead of just treading water.
03. Minimum Payments Only
You’re mostly making minimum payments and can’t see a realistic path to becoming debt-free. You’d like a clear, step-by-step debt consolidation plan that fits your income and lifestyle.
06. Not Sure Who to Call
You’ve seen ads for debt relief, credit counselling, and consolidation loans, but you don’t know who to trust. You’d prefer a neutral planning conversation first, then an introduction to reputable, licensed professionals who can help.
How Our Debt Consolidation Planning Works
Step 1: Free Debt Review Call
We start with a complimentary discovery call to understand:
- What types of debts you have (credit cards, lines of credit, loans, overdue bills).
- Current minimum payments and interest rates.
- Your income, basic expenses, and what “relief” would look like for you (less stress, lower payments, clear end date, or all three).
This isn’t about judgment; it’s about clarity. You’ll leave with a better sense of whether debt consolidation, restructuring, or another approach is worth exploring.
Step 2: Custom Debt Consolidation Strategy
Next, we help you build a personalized debt consolidation plan that may include:
- Comparing different debt consolidation solutions (e.g., consolidation loans, restructuring, or using home equity where appropriate).
- Showing how each option impacts your monthly cash flow, total interest, and payoff timeline.
- Prioritizing which debts to tackle first if consolidation isn’t the right fit for everything.
- Identifying habits or patterns that need to change so you don’t end up back in the same place.
Step 3: Connecting You With the Right Professionals
Once you understand your options and feel confident in a direction:
- We can connect you with licensed professionals in our network—such as mortgage specialists, lenders, or debt solutions partners—who handle the technical details and any applications.
- We remain your strategy partner, helping you interpret offers and stay aligned with your long-term goals rather than chasing short-term relief.
You don’t have to navigate the debt consolidation marketplace alone.
Why Choose Wealth Connections Team for Debt Consolidation?
Most people are offered “solutions” by whoever happens to pick up the phone—credit card companies, banks, or loan providers. Each one sees a slice of your situation, but very few look at the whole picture.
At Wealth Connections Team, we start with strategy, education, and your full financial story. We help you understand how different debt consolidation and payoff strategies may affect not just today’s stress level, but also your future goals like home ownership, refinancing, or retirement. Then we connect you to the right professionals to move your plan forward.
Debt Reviewed
Families Guided
Mortgages & Financing Advised
Years of Combined Experience
Real Stories from Families We’ve Helped
I felt overwhelmed trying to figure out what I needed to buy my first home. A friend recommended I reach out to Wealth Connections Team. They introduced me to a financial professional who walked me through every step of the planning process. This saved me so much time and I’m pretty sure I would still be renting if it wasn’t for them. I would definitely recommend this company if you’re trying to figure out how to buy your first property.
Sarah M.
Toronto, ON
We called Wealth Connections Team to try to figure out what to do about our debt. We felt like we were drowning and had no clear plan on what to do. Everyone out there kept giving us contradicting advice and everything felt so salesy. We are so glad we took this route instead. We got connected to a lady who took the time to understand us without rushing us or making us feel bad about the situation. She walked us through all the options and gave us the benefits and drawbacks of each one. This is the only company that truly walked us through something that made sense, and now we are saving money and are on the right track.
Mark & Julia R
Kitchener, ON
Running a growing business, I didn’t have time to figure out financing options. Through Wealth Connections Team, I was matched with a lending expert who helped me access private funding to expand my operations. This was a really good experience. I would recommend them to anyone who is looking to expand their growing business.
Daniel T.
Sudbury, ON
I am new to Canada and was recommended to Wealth Connections Team through a newcomer program in Toronto. I had no idea where to start with my money plan and kept getting declined for credit. They put me in touch with a financial consultant that helped at no cost. She guided me on getting my credit built up, connected me to companies that would set up a credit card for me. Thank you for everything.
Priya K.
Mississauga, ON
A family member suggested I reach out to this company when I received a small inheritance. At first, I just put the money in the bank and thought nothing of it, but my family insisted I needed to do more than that. I met this lady through them who taught me so much about investments, and retirement planning. I got so much value without paying her a penny, and I feel so much smarter about this topic now. I would recommend this service to anyone like me.
Robert H.
Calgary, AB
I’ve been a realtor in the GTA for over 12 years. Wealth Connections Team gives my clients a fair chance at buying a home. In the past few years I’ve had many buyers come to me without pre-approvals that had financial issues I couldn’t guide them through fixing myself. This team looks after my clients without any judgement and helps them with a plan. It’s not a perfect fix, but I’ve had clients come back to me, ready to find their home much faster than if they didn’t use their services.
Angela H.
Etobicoke, ON
What Happens After Your Debt Consolidation Plan Is in Place?
Once we’ve completed your debt consolidation planning, you’ll walk away with:
A clear picture of your debt
All your debts, rates, and payments in one place, so you understand exactly what you owe and how much it costs you each month and over time.
A recommended consolidation path
A tailored view of which debt consolidation solution (or combination) makes sense for you, including the benefits and trade-offs of each option.
Next professionals to speak with
Guidance on which licensed professionals to contact—such as lenders, mortgage specialists, or other partners—and what questions to ask so those meetings are focused and productive.
A realistic, step-by-step payoff plan
Specific actions to take over the next few weeks and months: which payments to change, where to direct extra money, and how to track your progress so you can see the light at the end of the tunnel.
Even if you decide not to move forward with consolidation right away, you’ll have a roadmap for managing and paying down your debt with more confidence.
Ready to Talk About Your Debt?
You don’t have to figure out debt consolidation or repayment strategies on your own.
Call us at (226) 210-2868 or click below to book your free debt consolidation discovery call.
Most calls are 20–30 minutes and focused on your situation, not a sales pitch.
Debt Consolidation Solutions FAQs
Debt consolidation combines multiple debts into a more structured repayment plan—often with one main payment—so it’s easier to manage and, in some cases, less expensive over time. Debt settlement, on the other hand, involves negotiating to pay less than the full amount you owe and may have serious credit implications. We focus on responsible debt consolidation strategies that support your long-term financial health rather than quick-fix settlements.
The impact depends on the method. Applying for new credit can cause a small, temporary dip, but paying debts down consistently under a structured plan can improve your profile over time. During planning, we talk through how different consolidation options might affect your credit and what you can do to protect or rebuild it.
Sometimes, but not always. Certain debts may not be good candidates for consolidation or might be better managed separately. Our role is to help you decide which debts should be included in a consolidation plan and which should be handled differently so you don’t accidentally increase your costs or risk.
It can be, but only when done carefully. Using home equity may lower your interest rate and monthly payments, but it also increases the amount secured against your home. We help you weigh the risks and benefits of home-equity-based debt consolidation and then connect you with licensed mortgage professionals if it appears to be a fit.
Falling behind is more common than most people admit. Being late or in collections can limit some options, but it doesn’t mean there’s nothing you can do. In our discovery call we look at where things stand, then outline priority steps and potential strategies so you’re not trying to sort it out alone.
That depends on the total amount you owe, the interest rate after consolidation, and how much you can commit each month. Part of our planning is showing you different payoff timelines so you can see how adjusting payments or strategies changes your debt-free date.
We do not sell loans or act as a lender. We can introduce you to vetted, licensed professionals who offer debt consolidation products, but the final decision about which provider and product to choose is always yours. Our value is in helping you understand your options and ask better questions before you sign anything.
No. For some people, consolidation might lower payments but increase total cost, or it might not address the underlying habits that created the debt. In those cases, a hybrid approach—targeted repayment strategies, budgeting changes, and maybe partial consolidation—may be better. Our job is to help you discover whether debt consolidation solutions truly support your goals or whether a different path makes more sense.
The first call is simply a conversation. We ask a few questions about your debts, income, and goals, explain what debt consolidation planning could look like in your situation, and outline possible next steps. If it’s a fit, we’ll move into more detailed planning and, when appropriate, introduce you to professionals who can help implement your plan.