Struggling with Debt? There Are Legal Options in Canada

Get a free, confidential assessment with a Licensed Insolvency Trustee and explore regulated solutions like consumer proposals — no obligation, no pressure.

Currently serving Ontario, British Columbia, and Alberta

ConfidentialNo credit checkFederally regulated

Federally Licensed Insolvency Trustee

Regulated under Canadian law

Confidential & judgment-free

Serving Canadians nationwide

If debt is still weighing on you, you're not alone

Many Canadians find that budgeting, consolidation loans, or refinancing don't fully solve the problem — especially when interest, collections, or reduced income are involved.

That's where regulated debt relief comes in.

A Licensed Insolvency Trustee can legally help you:

  • Reduce unsecured debt by up to 80%
  • Freeze interest charges immediately
  • Stop collection calls and legal action
  • Consolidate payments into one monthly amount
  • Avoid bankruptcy while keeping assets

What is a Consumer Proposal?

A consumer proposal is a legal agreement that allows you to pay back less than you owe — often significantly less — while protecting your assets and stopping collection action.

Benefits

  • Pay back less than you owe
  • Eliminate all interest charges
  • Keep your assets (home, car)
  • One predictable monthly payment

Qualification

You may qualify if you:

  • Owe between $1,000 and $250,000
  • Are unable to pay debts as they come due
  • Have a steady income source
  • Want to avoid bankruptcy

How It Works

Getting started is simple, confidential, and completely free.

STEP 1

Submit Your Information

Fill out our quick 3-step assessment form. It takes about 2 minutes and is completely confidential.

STEP 2

Professional Review

A Licensed Insolvency Trustee reviews your situation and determines the best path forward for you.

STEP 3

Receive Guidance

Get clear, honest advice about your options — including consumer proposals, bankruptcy alternatives, or other solutions.

STEP 4

Decide How to Proceed

Take your time to consider your options. There's no obligation to move forward unless you're ready.

No obligation. No pressure. Just answers.

Common Questions

Clear answers about the assessment process and consumer proposals