1(844) 616-2529

Debt is money owed to a person or entity that must be paid off by a set deadline. For example, mortgage loans, student loans, car loans, and credit card balances are types of debt. Chances are that at some point in your life, you will have debt.

Too often people use debt to makes ends meet and it can get out of control quickly. Often, significant life events like: injury, illness, marital problems or job-loss, cause or contribute to financial problems.  As the amount of debt increases, payments may be missed, your credit rating suffers and the options available to solve their debt problem become limited.

A debt problem is much like a health problem:

  • If you ignore it, it can get worse.
  • You will need a trained professional to help to resolve the problem.
  • Sometimes a major procedure is necessary.

Free Online Tools & Resources

McLay offers a suite of tools and services to help you get your debt under control.

Credit Test

Answer a few simple questions and our online credit test will give you tips and suggestions on how to help improve your current financial situation.Â

Debt Calculator

Quickly and easily calculate your debt repayment ability with this handy online tool.

Household Budget Tool

Where does it all go? One of the ways to plan for a successful financial future is to understand where you are today. Use this form to help you track your spending.

For full information on debt services we offer, see the “Our Services” section.

Debt Free