Debt Freedom Canada is a financial-services company dedicated to helping families Eliminate Debt. Build Wealth. Live Life. ™ while providing continuing support as the needs of the families change. By offering middle-income families a customized financial needs analysis, it allows its clients to make better choices in their debt management, income protection, expense control and asset management.

The Debt Freedom Financial Services Mission:

to eliminate your debt and fulfill all your financial needs

Personal debt levels in Canadian households are at record levels and are increasing. It stands to reason that the corporations who lend money, and whose single most important objective is to generate profits for their shareholders through the act of lending money, compete with each other to make credit cards available and push low interest rate credit onto consumers through lines of credit secured by inflated home equity when the consumer does not have a specific need for these things. These corporations refrain from educating Canadians on how to most efficiently manage their personal debt.

Another issue Canadians are facing is that they have far from adequate levels of savings. Many have little or no money put away for retirement. Since they have record levels of debt to service, they have no means to save, as most of their income is allocated to paying interest and reducing principal.

At Debt Freedom Financial Services, we are an educational resource for Canadians, showing them how to proactively manage personal debt, offering them a proven path to the ultimate elimination of their debt, and ensuring all of their financial needs are taken care of. Formed in 2003, our unique solutions to the problems detailed above are delivered to prospective clients by our more than 600 consultants. Currently, we have offices in Ontario, British Columbia, Manitoba, and New Brunswick, and are poised for significant expansion across Canada.

Most Canadians know of important dates in their lives such as birth dates, anniversaries and holidays, but until they come to Debt Freedom Financial Services, few, if any, have a Debt Freedom Date.

Through the creation of a proprietary debt-elimination schedule, the client is afforded a complete and personalized financial analysis and efficiency schedule, focused on the implementation of a cash-flow system designed to eliminate unnecessary interest payments. This, in turn, frees-up funds necessary for retirement planning, children's education and an enjoyable lifestyle.

The plan is structured around an individual's personal credit profile, which is comprised of the following variables:

• Personal Credit History
• Debt-Servicing Ratio
• Home Equity Ratio
• Employment History