MNP Ltd.

At MNP we understand the challenges faced by many Canadians. Rest assured you are not alone. Financial struggles can happen to anyone and there is always a solution.

We have been helping individuals solve their debt problems for more than 25 years. We are proud of the work we do and the feedback we receive clearly shows we are a firm family and friends recommend.

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Contact MNP for a free debt relief consultation today!

Stop the Endless Cycle of Debt

It is a mistake to think that if you are maintaining your minimum monthly payments, you do not have a debt problem. While maintaining your monthly payments can help preserve your credit rating, it can also mean you are unable to move forward financially.

Your credit card statements will show you how many years it would take to pay off your current credit card debt when only making the minimum payments. Often this time frame can be longer than a lifetime. And, that’s if you do not use your credit cards again in that time frame. If all of your disposable income is being used to maintain your credit card debt, there is no money available to put towards savings or for unexpected expenses.

When there is no ability to put away money for these types of expenses, the reliance on credit continues to build. As a result, the minimum monthly payments get more expensive and the cycle of debt continues. Eventually, you will reach a point where you are unable to access any more credit as banks will not extend you any further lending privileges.

Individuals can spend years going through this debt cycle before they seek assistance from a professional advisor. If you can already see this is happening, you owe it to yourself to explore your options.


395 Ontario St. St. Catharines, ON L2N 4M8