Finding the Right Path to Start Fresh
TLC Credit and Debt Help is a national Debt and Credit Resource Centre designed to assist Canadians in finding the right financial solution. We are advocates for the consumer — providing professional advice, information, and personalized programs for your benefit.
We are not a Bankruptcy Trustee, or Not-for-Profit Credit Help Agency, nor do we make any claims to be. We do not take, accept or collect monthly payments in order to settle your debts with your creditors. We are advocates for the consumer providing professional advice, information, solutions and programs for the benefit of the consumer.
We are committed to respecting the privacy of individuals and recognizes a need for the appropriate management and protection of any personal information that you agree to provide to us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
What Sets Us Apart
Consumer Advocates
We are not a Bankruptcy Trustee or Non-Profit Credit Agency. We are advocates for the consumer — providing professional advice and personalized programs for your benefit.
Human-Centred Approach
We recognize that every financial situation is different. We take the time to understand your unique circumstances before recommending any path forward.
Certified Expertise
Our team includes Licensed Debt Professionals with decades of experience in the credit reporting, collections, advisory and debt resolution industries.
National Reach
TLC Credit and Debt Help is a national resource centre, serving Canadians from coast to coast with personalized programs and ongoing support.
Transcending Limitations, Building Futures
Transcending Limitations Credit and Debt Help is a National Debt and Credit Resource Centre, dedicated to protecting and assisting Canadians to find the right solution for their debt and credit challenges. We recognize that every financial situation is different, so improving your financial outlook requires a customized plan specifically designed for you.
Our New Beginnings programs offer you options to build a better credit future so you can reach your financial goals.
You do not have to go it alone… TLC Debt Help is your partner, your voice and your advocate.
Meet Toni Azzopardi
Toni Azzopardi brings the human factor, vision, leadership and mature judgment gained during her successful careers in the Credit Reporting, Collections, Advisory and Debt Resolution Industries, to generate sustained positive results for all consumers and businesses in financial crisis.
Leveraging her tenure in credit reporting and collections services — including a career spanning a generation as an Account Executive with Equifax Canada — Toni has proven the knowledge, expertise, and professionalism to address the needs of all Canadians seeking a second chance at a stronger financial future.
Recruited by BDO Canada, Accounting & Advisory for her entrepreneurial skills, she escalated her career to Manager, Business Development, and became a Licensed Debt Professional. Recognizing the gaps in assisting Canadians with proper financial rehabilitation during their most vulnerable times, Toni led the growth of what we now know as Transcending Limitations Credit and Debt Help.
Toni's reputation within the debt resolution industry has exceeded all expectations. Over the past 8+ years, industry professionals have turned to TLC Debt Help for assistance in referring their clients for services that have proven beneficial. She proactively continues to improve her expertise, always ensuring that Canadians suffering from financial crisis maintain a sense of dignity and pride during difficult times.
Your Privacy Matters
Our Commitment
TLC Credit and Debt Help is committed to respecting the privacy of individuals and recognizes a need for the appropriate management and protection of any personal information that you agree to provide to us.
Information Sharing
We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. Your personal and financial details remain strictly confidential.
Data We Collect
When you contact us or submit a form, we collect the information you provide — such as your name, email, phone number, and details about your financial situation — solely for the purpose of providing you with the appropriate guidance and services.
Cookies
Our website may use cookies to improve your browsing experience. These cookies do not contain personal financial data and can be managed through your browser settings.
Your Rights
You have the right to request access to, correction of, or deletion of any personal data we hold about you. To exercise these rights, please contact us directly at [email protected].
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