债务减免服务
获得免费的债务偿还计划
安全、可靠且保密
加拿大债务减免的五个步骤
面对债务时，如果我们不在日常生活中寻找管理和控制它的方法，可能会感觉永无止境。为了减轻您的负担，我们建议您在加拿大的债务减少之路上采取以下五个步骤：
步骤1. 制定并坚持预算
制定并生活在预算之内是解决债务的第一步。首先了解您的每月支出，并找出可以削减的领域。尝试至少将您每月收入的10%存起来。这可以帮助您：
- 创建用于抵消债务的资金
- 为生活中的意外支出建立安全网
- 向投资未来迈出一步
- 开始债务减免解决方案
步骤2. 优先还清利率最高的债务
当您在处理不同利率的多笔债务时，策略性地选择首先解决哪个债务至关重要。您至少应支付每笔债务的最低还款额，但任何额外的资金应优先用于利率最高的债务，因为这是长期增长最多的债务。
步骤3. 将债务从高利率转移到低利率
加速减少加拿大债务的一种方法是使用信用额度，这通常比其他债务的利率低。如果您有信用额度，可以考虑用它来偿还高利率的信用卡债务。如有必要，与银行沟通增加信用额度以清还信用卡债务。
对于房产所有者，可以考虑重新融资您的抵押贷款或获取第二抵押来偿还高利息债务。本质上，这些策略是在更低的利率下整合您的债务。
步骤4. 增加您的收入
如果可行，寻找机会增加您的每月收入。即使是最小的金额，也可以在偿还债务方面产生重大影响。考虑加班工作，或者可能找一份第二份工作，因为额外的收入可以减轻您偿还债务的压力。或者，容纳一个室友或租客可能提供额外收入，加速您的债务减少。
步骤5. 制定个人还款计划
像实现任何目标一样，偿还债务需要一个清晰的计划。制定具体目标以减少您的债务。信用咨询可以为您的消费提供新视角，并帮助您将习惯与新的财务目标重新对齐。
为自己制定一个带有到期日和预期还款金额的还款日历。您甚至可以考虑申请透支保护，并通过银行或在线平台自动化账单支付，以免错过还款。
Shahrad Nakhaie
2022-12-23
They are so great, every thing was so easy for me. Unbelievable, All my debt are gone now and I feel like I'm free, thanks Osman Ali for all you did for me, at the first time it's even hard to believe that was real, but it's real and easy. Thank you bro for your help.
Cody
2022-12-06
Osman is a professional and you cant find anybody better. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you osman and the rest of the team for helping me through my struggles.
Banda Gueye
2022-10-29
Osman is a vert nice gentlemen, he was polite sweet and gentle. He really cared about my situation and paid attention to every little detail so he can help me best. Thank you Osman and the rest of the team for helping me through my struggles.
Kim Brown
2022-08-29
So far this has been a great company, I have been with them over a year. Every time I have an issue Josh jumps right on it and helps me out. He never makes me feel like I'm being a pain in the butt 🙂
I definitely recommend them, I have referred two of my family members to get help and now Josh is helping them as well.
I thank you Josh for all the hard work and responding so quickly to all my messages.⭐️⭐️⭐️⭐️⭐️
Ajanthan Murugananthan
2022-04-28
Staff members Samuel and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and line of credit and made it manageable. I would highly recommend Harris & Partners Inc. They have given me a new life in my financial life to success.
Paul Woo
2022-03-01
Staff members Yasan and Josh were both amazing. Both very friendly, professional, and efficient. They took care of my credit card issues and made it manageable. I would highly recommend Harris & Partners Inc.
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