Experience Your Life Without Debt

Regain Financial Control with Debt Consolidation

Streamlines Finances

Lower Interest Rate

Reduce Payments

Improve Credit Score

Get Your Life Back on Track

How Debt Consolidation Transforms Your Life

Don’t let debt take over your life! At Reynolds & Associates, our life-changing debt consolidation solutions will help tackle your debt and get you on the path to financial freedom. This effective strategy involves consolidating your unsecured debt, either through a debt consolidation loan or debt management plan. This option makes it easier to manage and pay debt, eliminates interest, reduces your monthly payments, and gets your finances back on track for a better future.

A Debt-Free Life is Only a Phone Call Away

Phone Us & Book Your Free Consultation

Whether you live in Sudbury, North Bay, Espanola or Sault Ste. Marie, you can call our team to book your free consultation and assessment.

Phone Us & Book Your Free Consultation

Assessing Your Debt

We’ll calculate how much debt you owe and analyze your options, such as whether you need a loan or merely debt management.

Assessing Your Debt

Determine Your Monthly Payment

By assessing your monthly budget, necessities (food, housing, utilities) and income, we can narrow down how much you’ll pay per month without overwhelming your budget.

Determine Your Monthly Payment

Work with Creditors & Lenders

Our team will work with debt-chasing creditors, banks and lenders to get them back on your side and support your new payment plan.

Work with Creditors & Lenders

Achieve Financial Freedom

Consolidating your debts will ease the stress and pressure of mounting debt and put you on the path to financial freedom!

Achieve Financial Freedom

It’s Time to Experience a Debt-Free Life

Take Advantage of Personlized Debt Consolidation

We are successful as credit counsellors because of our ability to assess and analyze each individual’s debt situation on its own merits – and customize a debt consolidation plan that works for them. You’ll experience the same level of commitment, dedication and professional foresight when we use debt management to transform your financial situation.

One Monthly Payment

We can consolidate all your debt, including credit cards, medical bills, student loans, line of credit, income tax debt, personal loans and more, into one manageable and easy monthly payment. This will reduce the pressure of debt and ease your finances. You’ll say goodbye to separate and difficult-to-manage payments.

Reduce Interest to 0%

With our experience, our team will work with creditors, lenders and banks to bring your interest rate down to 0% when you consolidate your debts. You will feel very relieved knowing your money goes straight to the principal amount and not to high-interest rates, quickening your debt repayment.

Protection from Creditors

The worst part about debt is the harassment from creditors, lenders and banks, calling and chasing you to pay back the money. There is no need to stress anymore. We’ll deal with them for you and ensure they don’t call, garnish your wages, or sue you while you’re under our care.

Confidential Services

We consider your privacy and financial information to be of utmost importance. Our services are always confidential, and we protect your financial information. We honour your commitment to achieving financial freedom by being available at all times while protecting all your important information.

Sudbury

North Bay

Espanola

Sault Ste. Marie

Testimonials

"The staff that helped me was extremely nice and professional. She was also very knowledgable. Had the answer to all of my questions and made the whole process easy and painless.I left there glad I went in and excited about what they could do for me. I would definitely recommend them to anyone."

"I have done business with David Reynolds & Associates for 15 years, and find the entire team to be very sincere and professional in everything they do. Good people!"

"This place saved my life. Kailey saved my life! Debt overwhelming your life? Go see Kailey! I have good credit now and David Reynolds held my hand all the way!"

"David Reynolds and Assc. are an excellent resource for debt management. They offer truly helpful council for those suffering through the weight of debt repayment."

"The staff are extremely knowledgeable and professional in helping people through a very difficult time. I would highly recommend their services.'

FAQs

Who can qualify for debt consolidation?

In most situations, you will need an acceptable credit rating, regular and sustainable income, and reasonable monthly expenses (to have a low debt-to-income ratio). Overall, you must demonstrate that you can make regular monthly consolidated credit payments on top of your monthly expenses. What is unsecured debt?

What is unsecured debt?

Unsecured debts are loans that are not backed by an asset for security or collateral . Examples include credit cards, lines of credit and student loans. There is no security or collateral behind the debt, which can result in higher interest rates for individuals. Consumer Proposals reduce these high interest rates to 0%.

How can I consolidate my debt without a debt consolidation loan?

If you cannot obtain a debt consolidation, there are other options available. These options include debt settlement (which can impact your credit rating), credit card balance transfers or participating in a credit or debt counselling program. Depending on the situation, some individuals might require consumer proposals.

How will consolidating my debts impact my credit rating?

Initially, taking out a consolidated loan might lower your credit score, but it depends on your credit history. However, you can restore and improve your credit score over time by making consistent, long-term payments. We can work with you to ensure that your credit score improves and does not fall.