I would assume through a credit bureau
One can try obtaining a personal loan to consolidate debt in Toronto by going to any of the banks and applying for a consolidation loan. For example, the TD bank has a TD Debt Consolidation Loan program to make managing your debt easier and more convenient while lowering your regular payments.
Personal debt can be transferred to an LLC by having the LLC assume the debt through a formal agreement or by using the LLC's assets to pay off the personal debt.
It's a personal bad debt
The best place I have found to obtain free and confidential debt relief is from Debt Relief USA. They are a well known company and give a free analysis.
Unsecured loans are loans that are not backed by collateral. They include personal loans, credit card debt, and student loans.
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The acquisition of personal debt is wise if it results in long-term savings and security.
Basically they it is a debt related to businesses or other non-personal matter rather than consumer debt which pertains to home, family, personal expenditures, etc.
There are many online tools that can be used as a personal debt manager. These include Debt Coach from the Bills website, Mint, PayDivvy and Expensify.
In today's economy it is great you are looking to reduce your personal debt. I would only recommend using a debt management group if you are not good at budgeting and managing your funds.
Help to control personal debt can be found at BDO Debt Help, Hardie & Kelley Insolvency, e-Finance, Debt Helpers, Adcroft, Midwest One and Money Sense.
There are several ways that debt collection agencies obtain work. One way is when a subsidiary of the company that is owed the debt tries to collect the debt themselves. There are also third party agencies who are hired by a company to collect what is owed and the agencies are paid a fee for this service.