Self Assessment Tool

The Self Assessment Tool helps people who are struggling with financial issues and need answers.

Take the survey

Have Questions? Get Answers!

Free Debt Consultations anytime. Get the information you need without charge.

Debt Options Calculator


Excluding mortgage and car loan

Get Answers

Get answers to your questions today. Start by selecting a topic below.

Consumer Proposals

A consumer proposal is a formal debt settlement option legislated under the Bankruptcy and Insolvency Act and is filed with a licensed trustee in bankruptcy. This option stops further creditor action and allows your debts to be compromised.


Filing personal bankruptcy allows you to be released from most of your debts. It is a formal process under the Bankruptcy and Insolvency Act and is filed by a licensed trustee in bankruptcy.

Consolidation Loans

Debt Consolidation Loans are a popular debt management option for people who are experiencing money problems. Consolidation Loans consolidate your personal debts into one monthly payment, reduce interest charges and will not damage your credit rating.

Credit Counselling

Credit Counsellors can help you with budgeting and money management, filing a Debt Management Plan or by helping you communicate with your creditors. It typically makes sense to use a credit counsellor if you have a relatively small amount of debt.

Dealing With Collection Agencies and Wage Garnishment

Collection Agencies may take legal action against you if you owe money to your creditors and do not make payments. Collection Agencies must follow rules outlined in the Collection Agencies Act, which is regulated by the government.

Rebuilding Credit

Credit rating is a fluid concept and is always changing. No matter what you do, including filing personal bankruptcy or a consumer proposal, you can always rebuild your credit rating.

Latest Stories and Blog Posts

Will I lose my house if I go bankrupt?

People have many concerns when they come into my office, but a few concerns seem to come up more often than not. One concern that is in the forefront of many minds is the fear of losing their home.

February 9, 2016

Bankruptcy, Asset Concerns

Don't Be Fooled By Minimum Payments

If you think you're managing your money by paying just the minimum monthly amount, think again. By doing that, you're paying far more than the cost of your purchase. Minimum payments are designed to make you pay a fortune over time.

January 27, 2016

Money Management

Get Your Free Consultation

Always with a licensed trustee in bankruptcy.

Get in touch

or call 1-800-332-8093 right now