Eliminate Up To 75% of Your Debt

Nationally Approved Debt Relief Programs Available. Rise Above Your Debt Today.

Freeze Interest

Pay as little as 0% interest when you get started with one of our programs

75% Debt Forgiven

Eliminate up to 75% of your debt so you can be debt-free, faster

Expert Care

Our experts have helped thousands achieve financial freedom

About Finaplan

Debt relief we wish you had sooner

We’ve been helping Albertans get the fresh start they need since the COVID-19 pandemic. We’ve gained a deep understanding how overwhelming debt can be for individuals and families, and want to help.

As a team of experienced professionals, we are dedicated to providing compassionate and effective debt solutions. We specialize in reducing and restructuring loans through government approved programs, so you can get the fresh start you need.

Our mission is to provide our clients with financial freedom by helping them regain control over their finances.

Our Mission

Helping Albertans Move Forward

We understand that every person’s financial situation is unique, and tailor our services to meet your individual needs. We are committed to providing personalized debt solutions that are tailored to your life circumstances. Our team of experts will work closely with you to find the best possible solution for your financial situation.

Make the smart move of investing in your future

We provide free consultations, so you can make an informed decision about your financial future. We strive to provide our clients with the best customer service and support, so they can get the peace of mind they deserve.​

Alberta Debt Specialists, trusted by thousands of clients across the province

Give us 30 minutes and we’ll give you a plan to be debt-free

Our Service

Helping you secure your financial future

Credit Counselling

Budgeting advice, debt management plans, and educational programs on how to manage finances

Debt Settlement

Make payments into a holding account to pay your debtors off a negotiated lumpsum

Debt Management

Negotiate and come to an agreement between you and your creditors to reduce your debt.

Debt Consolidation

Combine all your debts into one manageable monthly payment and freeze interest

Consumer Proposal

Work with a licensed insolvency trustee who submits a formal proposal on your behalf


Legal process that allows you to have their debts discharged or restructured

Give us 30 minutes, we'll give you a plan to be debt-free.

With our debt relief program, you can become debt-free in as little as 24 to 48 months. Our team of experts will work with you and your creditors to restructure your loans and reduce your monthly payments.

Debt Relief Programs

How It Works

We make debt relief easy and hassle-free, so you can focus on getting back on track financially. You apply, we review, and one of our representatives will reach out to you to discuss the best options at our disposal.

Apply online within minutes. Submit a consultation form by clicking get started below. 

Once you’ve submitted a request, our specialists will review your file and get back to you to discuss your best options. 

Our team of experts will work with you to restructure your loans and reduce your monthly payments.

We can also help you negotiate with your creditors to reduce your interest rates and fees.

After negotiating with your creditors and restructuring your debt, we’ll start you on a manageable payment plan.

Once you’ve made all your payments and completed your program your debts will be completely paid off.

Alberta Debt Specialists

With us, you can become debt-free in as little as 24 months.

Our debt relief programs are designed to help you get out of debt as quickly and easily as possible. They are available to anyone struggling with debt.


How can we help?

We’re committed to helping you achieve financial freedom. Feel free to reach out using the contact us button if your questions aren’t answered here.

Debt relief is a term used to describe various strategies and programs designed to help individuals manage their debt more effectively. It can include debt consolidation, debt settlement, bankruptcy and more. 

Your credit is affected by debt relief in different ways, depending on the state of your debts. So it is a case by case situation.

Once you complete your plan and pay off your balance, your outstanding debts are completely paid off.

At Alberta Debt Specialists, we understand the difficulties of getting out of debt and we are here to help. We provide assistance with credit cards, payday loans, income tax debt, student loans, personal loans, medical bills, mortgages, car loans, overdue bills and more.

Typically, to be eligible for a program, you must have a minimum debt amount of $10,000, which can include credit card debt, student loans, medical bills, and other types of debt. Additionally, you must have an income level of at least $25,000 per year and a credit score of 600 or higher. Meeting these eligibility requirements will help ensure you are able to take advantage of the debt relief services offered.

If you don't meet any of these requirements, no worries, there are still other options our team can help you out with such as credit counselling, credit repair, bankruptcy, etc.

A Debt Specialist is a financial professional who specializes in helping individuals and businesses resolve their debt issues.

They work with debtors to develop strategies and solutions to reduce or eliminate debt, such as debt consolidation, budgeting, and debt negotiation.

Debt Specialists are knowledgeable in the laws and regulations surrounding debt collection, and can provide guidance on the best way to approach creditors.

This isn't a loan; rather, we help restructure and reduce debt. You'll be able to freeze interest and set up a consolidated monthly contribution to the new, lower total you'll owe.

Typically we'll look at the amount of debt you have, the types of debt such as credit card, credit line, etc., and the status of these debts. Are you still making payments, are you behind, has the debt fallen into collection? These factors, along with your available collateral, income and employment situation will factor into what debt relief program is best for you.

The best debt relief program for you will depend on your current financial situation. There are several other options available. To find what's best for your individual situation you may want to look into our debt relief programs.

It is best to declare bankruptcy when your financial situation is at its worst and you have no other way to pay back creditors. Timing varies depending on your individual situation, but it is important to make sure you are aware of all deadlines and filing requirements. Consult with one of our qualified professionals to ensure that bankruptcy is the best option for your financial situation.

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