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Best Debt Consolidation Services in Calgary

The 8 Best Debt Consolidation Services in Calgary

Debt can be a symptom of problems and unfortunate life circumstances, but it’s important to remember that you are not your debt. It can be solved, and there is help to be found… like the best debt consolidation offices in Calgary.

Debt management, credit counselling, and financial literacy are the biggest hurdles to conquer if you want a sustainable financial future.

As overwhelming as may seem, with timely counselling, initiative, and a great debt restructuring plan, you can and will move on from your debt.

1. Charla Smith & Company Ltd.

Charla Smith & Company Ltd
PRODUCTS Financial advice, consumer proposal and bankruptcy
ADDRESS300, 1933 – 10 Ave SW, Calgary, AB T3C 0K3
CONTACT DETAILSPhone: 403-899-3890
Email: [email protected]
OPERATING HOURSContact them for more information

Debt can be overwhelming, and the stress it causes can have an impact on all aspects of your life, including your relationships, mental and physical health, and career. It’s common for people to feel as if they’re dealing with more than just their debt.

Charla Smith & Company understands the heavy burden of overwhelming debt and has the experience and expertise to assist you in finding the right solution to get debt relief. They are also licensed to offer you consumer proposals and bankruptcy options as needed.

As a Licensed Insolvency Trustee, this company offers unbiased advice, listens without judgment, and supports and empowers you to move forward and regain control of your finances. Their goal is to find the best solution for your specific situation, and they approach each conversation with kindness and an open mind.


  • Offers free, confidential, no-commitment meeting
  • Expert advice with your best interests in mind
  • Highly personalized service
  • A kind and open-minded approach

Customer Reviews

Here’s some feedback from Charla Smith & Company Ltd.’s clients:

“Charla Smith & Company is THE best insolvency service in Calgary. Megan treated me with kindness, respect, and empathy. I would recommend this place to anyone seeking a place where they can receive judgement-free help.” Mark Sanders

“I had met with both charla and Megan for advice about my debts. They were both honest and helpful and treated me with respect. Highly recommend this company. Thank you for the support!!!” – Dee Cebryk

2. Credit720

PRODUCTS Consumer Proposal
Debt Consolidation
Credit Counselling
ADDRESS1725 30 Ave NE #25, Calgary, AB T2E 7P6, Canada
CONTACT DETAILS+1 403-337-4000
OPERATING HOURSMonday – Friday: 10 AM – 6 PM
Saturday: 10 AM – 2 PM

Credit720 positions itself as a consumer-focused financial counseling service, specifically emphasizing debt consolidation services to assist individuals in managing and reducing their debt burdens. The company’s unique approach aims to prioritize the client’s best interests, providing expert advice and protection against potential pitfalls in dealing directly with creditors or trustees. 

We like that they can deliver custom plans tailored to clients’ budgets and demonstrate a personalized approach. This ensures that debt consolidation strategies align with individual financial situations and goals.

Furthermore, the company boasts a team of experienced financial advisers who specialize in debt-related crises. Their expertise in debt negotiation and financial counseling is intended to provide clients with a well-thought-out plan to consolidate their debts, potentially reducing them by 70%-75%.

While Credit720 provides an overview of its services, there is limited information on the specific steps involved in their debt consolidation process. Offering more detailed insights into the methodology could enhance transparency and manage client expectations better.

Overall, Credit720 distinguishes itself as a client-focused financial counseling service, particularly in the realm of debt consolidation. The commitment to protecting clients’ interests, coupled with convenient locations, extended hours, and customer-centric policies, positions Credit720 as a potential solution for individuals seeking assistance with debt management. 


  • Client-Centric Approach
  • Multiple Locations and Extended Hours
  • Competitive Offer Guarantee

Customer Reviews

Here are some reviews from their clients:

“I had an excellent experience with Credit720. They turned what seemed like an insurmountable financial crisis into a manageable journey. Ms. Gina is very knowledgeable, professional, and obliging to us. Highly recommended for anyone seeking financial freedom.”

“Was fully informed about pros and cons of different options. The counselor was very patient and gave me complete liberty to select best suited option for me.”

3. 4 Pillars

4 Pillars
PRODUCTS Professional and confidential consultations, debt settlement assessment, etc.
WEBSITE4 Pillars
ADDRESS340 Midpark Way SE #300, Calgary, AB T2X 1P1

4Pillars specialises in debt restructuring and consolidation. They create customised and complex plans that meet your short-term financial needs, and in turn, help manage your long-term financial goals.

They provide some of the best debt consolidation services in Calgary.

In fact, to ensure that once your debt is consolidated and cleared you would have a strong credit profile, they will help you understand how to effectively manage your credit—making sure that you would be out of credit for good.


  • Nominee – 2014 BBB BlueTorch Award for Ethics
  • Nominee -2014 Calgary Small Business Award for Excellence in Customer Service

Customer Reviews

Here’s some feedback from a 4Pillars client:

“They’re helping their clients not only for the fees they will be collecting but because they have a heart to help people in need of their help and they will be always there for you until the end of the process.” -Yvette

“John and Jennifer are truly making a difference for Canadian families! Their service and advise are helping those rest easier, knowing that there are alternatives to declaring bankruptcy!” -Kim

“Hello Jennifer and John, this month is my 2 year anniversary since you helped me with my debt. Things are going so well! It’s been 2 years of bliss, not having to fear the phone ringing or where the money was going to come from for all the bills and to run the household too! I have my life back on tract and have just signed my Mortgage for 5 years. Life is good!!! And it’s all thanks to the help I received at 4Pillars!!!  I’m sending a message to all you folks out there that are waiting for things to turn around, they will, but only if you get help to handle it all! John and Jennifer are the best…..compassionate and they help you IMMEDIATELY!!! What are you waiting for……..take back your life!!! Don’t let debt ruin another day for you!” -Verona


“Your help has made such a difference in our lives! Yes, we are still frugal as we continue to tell ourselves that “we have no money” but the changes in our lives are immense. Thank you for taking us under your wings and showing us the right way to live – without the huge debts hanging over our heads.” -Wendy

4. BDO First Call Debt Solutions

BDO First Call Debt Solutions
SERVICESDebt help, consumer proposals, bankruptcy, etc.
ADDRESS307, 3016 – 5 Avenue NE Calgary, AB
CONTACT DETAILS(403) 910-4253

BDO First Call Debt Solutions provide swift and efficient solutions for any kind of debt issue. They go as far as extending help from other professional organisations to expand the available debt-relief solutions available to you.

Do-It-Yourself debt relief options are also available options for BDO’s clients in order for them to make informed choices. This enables them to attain financial independence—creating the best opportunity for financial literacy in Calgary.


  • Offers a free debt help options handbook

Customer Reviews

Here’s a review from a BDO client:

“During a terrible time in my life Harman with BDO was able to get me back on track and help me to minimize my debt load.  Harman over the past 6 months has been gracious, smart, caring and full of great advice.  Thank you so much for being who you are and doing what you do!”

And here’s one more:

“BDO was able to help me find a solution that worked best for me and my situation and they have been so accommodating to my schedule. I’m horrible with phone calls and Harman has always sent emails and has always been quick to respond! Thank you so much team! Very happy with my experience! ☺️”

5. Money Mentors

Money Mentors
SERVICESDebt help, consumer proposals, bankruptcy, etc.
WEBSITEMoney Mentors
ADDRESS1200 59 Ave SE, Calgary, AB T2H 2M4, Canada
CONTACT DETAILS+1 888-294-0076
OPERATING HOURSMon-Thurs: 8am-8pm
Fri-Sat: 9am-5pm

Money Mentors offers excellent credit counselling and money coaching, promoting financial literacy as something that’s approachable and easily understandable. This creates the best opportunities for a better financial future.

Money Mentors is one of the best debt consolidation services in Calgary because they provide cost-effective solutions to complex debt solutions and credit counselling.

Nonetheless, the main focus of the company is to spread financial literacy and help prevent serious debt problems in the future.


  • They offer financial education and money coaching

Customer Reviews 

Here’s some feedback from a Money Mentors client:

“I took a friend here today.   They were intensely helpful given the short window of time we had.  Paula was able to zero in on the problem areas and offered a number of solutions.  Of course she can’t spend all day with us.  It wasn’t a social visit.  Some people might be offended by that.  I was happy because my time is valuable also.  I will be recommending Money Mentors to more people who find themselves having financial difficulties.”

And here’s more:

“I met with Delores in person and then a follow up phone conversation.  She was very understanding of my situation and at no time was I meant to feel negative about my situation.  She gave me some advice and options for my situation that I went home and considered.  My follow up phone conversation was helpful in that she answered some additional questions to allow me to try and resolve my situation on my own, with the option of returning to Money Mentors in January to use one of the other options discussed.

Thank you to Delores for the understanding and advice.”

6. Debt Consolidation Alberta

Debt Consolidation Alberta
WEBSITEDebt Consolidation Alberta
ADDRESS1015 4 St SW #535, Calgary, AB T2R 0C5
CONTACT DETAILS1 (844) 701-9947

DCA is the leading place for debt consolidation solutions in Alberta. They are offering convenient and effective long-term solutions for all kinds of debt issues.

Their methods of debt counselling consist of various consultations that are only billed at the end, guaranteeing cost-effective resolutions.

The DCA is a consistent financial firm that you can go to for all your financial problems, so if you’re looking for a sure fire way of solving your debts, DCA provides one of the best debt consolidation services in Calgary.


  • No costly loans nor security required

7. Business Solutions & Credit Counselling Services

Business Solutions & Credit Counselling Services
ADDRESSBay # 218 – 3132 26th Street NE, Calgary AB T1Y 6Z1
CONTACT DETAILSTel: 403 714 8984
Sat 10AM-6PM

Business Solutions & Credit Counselling Services is a company that will guide its clients to have zero debt. They offer various services for anyone having trouble with loans, having credit and debt management, debt settlement, and many more. 

Clients will surely not regret seeking for their help. Surely, they will be more at ease with their money and learn how to handle it better for the future.

Customer Reviews

Here’s a review from one of Business Solutions & Credit Counselling Services’ clients:

“Business Solutions was the best choice I ever made! I was struggling with my financial situations and a friend referred me to them and that was it! It changed my life for the better. The team helped me get on track which I am so grateful for. Every time I needed guidance or assistance the team was always there to help me day or night. Each time I called someone was there to help. This is a team of trustworthy people who never let you down. Thank you so much Business Solutions for your dedication and help! You’ve made my life much easier!”

8. Allan Marshall & Associates Inc.

Allan Marshall & Associates Inc
ADDRESSContact for exact address depending on location.
CONTACT DETAILSToll-Free : 1 (888) 371-8900
Email : [email protected]
OPERATING HOURSMonday to Saturday: 8 am to 6 pm

Allan Marshall & Associates Inc. is a licensed Insolvency Trustee firm with locations in Alberta and throughout the Maritime provinces.

This company is licensed by the Federal Government of Canada to administer bankruptcies, Consumer Proposals, receiverships, and other insolvency services.

We like that they have the knowledge needed to assess any situation, whether you’re a a first-time bankrupt or struggling financially.

They thoroughly asses each client’s situation and are then able to offer the best solution and advice for each case.

We’ve heard from other past clients that everyone here is professional and are able to give excellent insight to everyone. This is why we highly recommend them!

Customer Reviews

Here’s are some reviews:

“We spoke to Kelley for our consultation- and she was amazing! Full of so much information, she gave us a much better understanding of our financial situation. There was absolutely no judgement, and it’s so nice to finally feel like there’s an option out there to help!

“I was so nervous calling into the office for the first time! I wasnt even quite sure what to say. Olivia answered the phone and she took over the conversation and I could breathe again! She is very professional and so kind. It felt like I was talking to a friend. I would recommend Allan Marshal & Associates to anyone having financial trouble.”

In sum, these companies provide an educational and approachable way of tackling debt issues.

Whether you’re already in debt or you plan on getting a loan, it’s always a wise idea to get ideas from the experts in this field. After all, it is your money on the line!

Securing a proper financial future enables citizens to worry about debt less, and live life more. Call up one or all the best debt consolidation services in Calgary for all your loan questions!

By the way, if you have outstanding loans, or plan to take loans, you’re sure to deal with taxes. To ensure that you’re paying right and properly, consult the best tax lawyers in Calgary!