We reduce and remove unsecured debt — liens, writs, judgments, collections — through licensed Canadian law firms. No consumer proposal. No credit counselling. Just results your clients can mortgage on.
Reduce and remove liens, writs, judgments, and executions that would otherwise kill an approval. We clear the obstacle — you close the file.
Save thousands on unsecured consumer debt to improve loan-to-value ratios and free up room to cover mortgage costs — making more deals lendable.
Clean title, cleaner exit strategy. Keeping your lender's portfolio healthy means more renewals, more trust, and a stronger relationship year after year.
On private second mortgage transactions, our program can dramatically increase the proceeds available — and your fee. More deal. Same effort.
We've been running this program since 2014. Brokers send us the file, we handle everything through licensed law firms, and you close deals that would have died on the table. Here's exactly how it works.
Share the deal details — the unsecured debts, collections, liens, or other obstacles blocking your approval. We assess it quickly, confidentially, and at no cost to you. No obligation, no commitment — just a straight answer on whether we can help and how.
Works for: subprime refinances · private 1st & 2nd mortgages · B-lender / alt-A deals · purchases with title issues · renewals with credit problems
Through our network of licensed Canadian law firms, we negotiate and settle qualifying unsecured debt — collections, charge-offs, judgments, liens, writs, garnishments — often for less than the full amount owed. The settlement is funded by a lump sum from the mortgage proceeds.
No consumer proposal. No credit counselling. No bankruptcy. This is a legitimate legal settlement — documented, discharged, and clean.
Collections cleared. Judgments lifted. LTV improved. Title clean. Your client moves forward with financing — and you close a deal that would otherwise have died on the table. We coordinate directly with the law firms to ensure timing aligns with your closing.
We work within your deal timeline. Fast-track assessment available for deals with tight closing windows — call us directly at 1 (800) 994-8997.
After settlement, we can assist with credit bureau dispute coordination so the resolved debts are accurately reflected on your client's credit file. A cleaner profile means a stronger renewal conversation — and another deal with you next year.
All settlement and legal work is performed by independent, licensed Canadian law firms. Results vary by circumstance.
We respond fast, work discreetly, and know the mortgage landscape inside out. Broker referrals only — reach out directly.
Tell us about the file. We'll assess it and come back to you with a clear picture of what we can do and how quickly we can move.