Map what’s owed
Who’s calling, what’s claimed, what’s in collections, and what you can realistically afford. No judgment — just the facts.
Division · Creditor & Collections
Negotiate the noise down. Settle when it makes sense.
ClearRate helps Canadians talk to creditors and collectors — to explore settlements, payment arrangements, or simply reduce the day-to-day pressure. Straight talk. Not legal advice. We’ll tell you when you need a lawyer.
Canada-wide · You approve every commitment · Confidential intake
Simple process
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How creditor help works
Calm intake first. Strategy second. Outreach only with your authorization.
Plan the approach
Settlement ask, hardship note, payment plan, or “verify and pause” — we propose a path you approve before anyone is contacted.
Negotiate & document
We reach out as your authorized helper, push for clear written terms, and keep you in the loop on every offer.
What we take on
Common
Collectors
Settlement & collections pressure
Credit cards, loans, telecom arrears
Unsecured balances and account arrears where negotiation is often possible.
- Settlement and lump-sum discussions
- Payment arrangement requests
- Written confirmation of any deal
Agency & collection calls
Help responding to collectors professionally — verify claims, request validation, and pursue workable terms.
- Structured outreach on your behalf
- Pressure reduction where possible
- Clear “stop / escalate to counsel” guidance
Not legal advice. ClearRate is not a law firm and does not represent you in court. We help with practical negotiation. If you’re facing lawsuits, wage garnishment, bankruptcy questions, or complex secured debt, get a Canadian lawyer or licensed insolvency trustee — we will recommend that when it’s the right move.
Questions
FAQ
Can you guarantee a settlement percentage?
No. Creditors decide. We work for the best workable outcome we can negotiate for your situation.
Will you talk to collectors without my OK?
No. You authorize outreach and approve any settlement or payment commitment before it’s locked.
Does this hurt my credit?
Settlements and collections can affect credit differently depending on reporting. We’ll discuss trade-offs honestly; we don’t pretend otherwise.
When should I get a lawyer instead?
If you’re sued, facing garnishment, dealing with secured debt or insolvency options, or need court representation — start with qualified legal or LIT help. We can still coordinate around that.
Ready to talk through it?
Share a high-level picture — no full account numbers needed on this form. We’ll reply with next steps.