Not sure how to deal with debt?

Here's where to start.

Debt advice
Can't afford to repay your debts?
Licensed Insolvency Trustee (LIT)
Government-regulated debt professionals
Speak to a trustee
on Moses Advisory Group LIT
Free initial consultation
Reduce your debt
Stop collection calls
Stop wage garnishments

Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province

Credit Counselling
Non-profit financial guidance
Find a counsellor
on Credit Counselling Canada
Free financial assessment
Non-profit organizations
Debt management programs available

Frequently Asked Questions

A Licensed Insolvency Trustee is federally regulated and can legally file consumer proposals and bankruptcies. They are the only professionals in Canada who can legally stop collection calls and wage garnishments. Credit counsellors can help with budgeting and debt management plans but can't file legal proceedings or stop collections.

No. Checking your own credit score is a soft inquiry and has no impact on your score.

Yes. A Licensed Insolvency Trustee is the only professional who can do this. Once you file a consumer proposal or bankruptcy, a legal stay of proceedings takes effect. Collection agencies must stop contacting you and wage garnishments stop immediately.

Only if you can comfortably afford the repayments. If you're already struggling with debt, a loan could make things worse. Speak to a Licensed Insolvency Trustee first. The consultation is free.

Get Help With Debt - Free Advice & Resources | CollectionAgencies.ca