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America's Debt Help Experts

You may be eligible for our program to have your debts reduced or even eliminated

TAKE QUIZ

What Helpline Financial Does

Helpline Financial works with some of America’s leading debt counseling and personal financial experts to provide people struggling with debt solutions to improve their financial situation.

We believe in people first – so we consider our primary job is to listen. There is no single one size fits all solution, and every debt relief plan is tailored to your unique individual circumstances. Once we learn about your finances we can show you a variety of different options.

We believe in taking a hands on approach with every person we help, so know that your Certified Debt Specialist will be there for you every step of the way.

Frequently Asked Questions

After taking our short quiz to check your eligibility, you will have a call with one of our partner’s debt advisors who will review your personal situation and build a plan to get you out of debt. Every situation differs, but in most cases, it involves making a consumer proposal to your creditors, and consolidating your debts to reduce interest rates. With this system you can have large portions of your debt cancelled entirely. There is no up front cost, and you only pay a small percentage of the amount they save you.
Debt consolidation is basically taking one big loan and using that money to pay off all your other loans. The benefit to consolidating your debt is that the new loan will have a lower interest rate than the old ones, which means paying less overall by having more of your payments go towards the principal than interest.
A consumer proposal is where you, or someone who represents you, makes an offer to all of your unsecured creditors to pay an alternate amount rather than the original debt and interest. Many creditors will accept much less than the original amount to ensure they get paid back at least partially. Using a consumer proposal can significantly lower your debts.
A secured debt is one that is tied to an asset. The most common type of secured debt is a mortgage. Some auto and student loans may also be considered secured. Most other debts are secured by the individual and their credit rating, such as credit cards, payday loans, utility bills, and credit lines. Our partners are able to help you reduce and cancel unsecured debts.
The average enrolled client saves over 45% through the program. That means if you have $100,000 of debt, on average that could be reduced to $55,000 – meaning $45,000 is cancelled! Every situation is different, so take the quiz and talk to your personal debt specialist to see how much you can save.
There is absolutely no up-front cost to the program, and you will not pay anything at all until your debts are reduced or eliminated. At that point, a small percentage of the savings is charged. Basically, we only get paid if we help you, and even then, only after we get you results.
In most cases you will not have to give up any assets. In fact, using a program like the ones provided by our partners are often the best way to avoid bankruptcy, foreclosure and repossession. Our advisors always work to ensure you do not lose essential possessions needed to live your life.
Yes. The solutions offered in this program do not have any requirements to pay more than you can afford. With that said, some basic income is required to enroll in the program. As long as you make $1500 per month before taxes and deductions you are eligible.

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How it Works

1. Check your eligibility – By taking our short quiz. It only takes 2 minutes and you will instantly know if this program can assist you.
2. Free Consultation – You Certified Debt Specialist will call you as soon as you register through the quiz, and they will review your finances and show you your relief options.
3. Personalized Plan – Together with your Certified Debt Specialist, you will select a plan that best
meets your debt relief and lifestyle needs. They will walk you through every step of the process  so you can stop stressing and start saving.
4. Reduce and Eliminate your Debt – Most clients are able to significantly reduce both their debt  and monthly payments, and many are able to become entirely debt free in as little as 12-48
months

100% Free, Confidential and No Obligation