100% confidential
In debt? There's an option before bankruptcy.

Erase up to 80% of your debt.
Without filing for bankruptcy.

If you owe $5,000 or more on your credit cards and lines of credit, a specialized partner can negotiate with your creditors to forgive part of what you owe. One lower monthly payment. You take back control.

  • Reduce what you owe
  • No bankruptcy
  • One single payment
  • 100% confidential
up to 80%of your unsecured debt, forgiven

Best if you carry $5,000 or more in debt on credit cards, lines of credit or personal loans, and the minimum payments are suffocating you.

A person feeling relieved, a weight off their shoulders Breathe again.
See how much you could erase ~60 seconds · no impact on your credit score
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Reminder: submitting this form is a request to be connected, not a consumer proposal filing, not a bankruptcy declaration, and no guarantee of results. See our FAQ.

Negotiation with your creditors · An option before bankruptcy · One monthly payment · Available across Canada

Imagine owing a fraction of what you owe today.

Instead of chasing minimum payments that only cover the interest, a specialized partner negotiates an agreement to reduce your total balance. You repay one lower amount, on a clear schedule.

For illustration only. Results vary based on your situation and the agreement reached with each creditor. No result is guaranteed.

Credit cards$14,000
Line of credit$8,000
Personal loan$3,000
After negotiation~ $8,500
How it works

Three steps to lighten your debt.

You answer a few questions, a specialist handles the negotiation.

01

Answer a few questions

In 60 seconds, online. We assess your total unsecured debt. No impact on your credit score.

02

A specialist reviews your situation

We connect you with a debt relief partner who studies your balances and builds a strategy that fits.

03

We negotiate to forgive part of it

The partner negotiates with your creditors to reduce the balance. You repay one lower amount. You're always free to accept or not.

A relaxed couple at the kitchen table, no longer stressed by bills
What changes

No more knot in your stomach at the end of every month.

One lower payment, on a clear schedule. Enough room to breathe and start living again, without going through bankruptcy.

It's worth checking your options, especially if…

Debt relief is for unsecured debts of $5,000 and up.

  • Your credit cards are maxed out
  • You're only making minimum payments
  • You're falling behind on payments
  • Collection agencies are calling you
  • You were turned down for a consolidation
  • Interest is eating up your whole budget
  • You want to avoid bankruptcy but you won't get out on your own at your current payments
See how much you could erase
Why debt relief

An alternative to bankruptcy.

Bankruptcy isn't your only option. Compare.

Carrying on like this

  • Interest piles up faster than you can pay it down
  • Minimum payments can drag on for years
  • The collection calls keep coming
  • The stress follows you every month

Debt relief

  • Your total balance can be reduced after negotiation
  • One lower monthly payment
  • An alternative to bankruptcy
  • A clear schedule to get out of debt
Why Clearway Debt Relief

We connect you with the right specialist.

We're not a bank or a lender. We're an independent service that connects you with a debt relief partner suited to your situation.

Reduce what you owe

The partner negotiates with your creditors to try to forgive part of the balance, not just stretch it out.

Without bankruptcy

Debt relief is a separate path from bankruptcy. We explore an option that better protects your situation.

Confidential and secure

Your data is encrypted and handled in line with PIPEDA, Canada's federal privacy law. Never sold to commercial third parties.

No judgment

Debt happens to a lot of people. Here, we look at your options calmly, no lectures.

A person breathing easy, smiling gently while looking at their phone, a fresh start
A first step

The start of a fresh start, in 60 seconds.

Answer a few questions and see how much you could erase. No impact on your credit score, 100% confidential and free.

FAQ

Your questions, our answers.

What is debt relief, exactly?

It's a process where a specialist negotiates with your creditors (credit cards, lines of credit, personal loans) to reduce the total balance you owe. The goal: you repay less than the original amount, in one lower monthly payment.

Is it the same thing as bankruptcy?

No. Debt relief is an alternative to bankruptcy. It's a separate process that aims to reduce what you owe through negotiation, without filing for bankruptcy.

How much debt do you need?

Debt relief works best from $5,000 in unsecured debt (cards, lines of credit, personal loans). Below that, other solutions are often a better fit. We'll tell you honestly.

Does my request affect my credit score?

Answering the form triggers no hard inquiry and doesn't affect your score. Any formal step with a partner would be explained to you first, and you'd stay free to decline.

Can you really erase up to 80% of my debt?

The percentage reduced depends on your creditors, your balances and the negotiated agreement. Some agreements reduce a significant part of the balance, but no result is guaranteed. The form is there to see whether your situation is a fit.

How much does it cost?

Our matching service is 100% free for you. The terms and any fees of the debt relief program would be clearly presented by the partner before you commit to anything.

Is my information secure?

Yes. Your data is encrypted and handled in compliance with PIPEDA, Canada's federal privacy law. It's shared only with our specialized partners to process your request, never sold to commercial third parties.

Am I obligated to accept?

No. Filling out the form commits you to nothing. If a plan works for you, you accept it; if not, you're free to decline, at no cost.

Take back control of your finances.

See how much of your debt you could erase in 60 seconds. No impact on your credit score. 100% confidential and free.

Start my assessment