What matters most to you?
Everyone qualifies for these. Tell us what you are optimising for and we will sort the list.
Service type
Free consultation
Province
Licensed trustee only
3 compared
Not yet rated
Service type
Debt restructuring advice, credit rebuilding, budgeting
A debt restructuring consultancy that works alongside independent licensed insolvency trustees, advising on options and negotiating restructuring.
Not yet rated
Service type
Consumer proposal, bankruptcy, debt counselling
One of Canada's largest licensed insolvency trustee firms, filing consumer proposals and bankruptcies alongside debt restructuring advice.
Not yet rated
Service type
Credit counselling, debt management programme
A non-profit credit counselling agency offering free counselling and debt management plans that consolidate unsecured debt into one monthly payment with interest reduced or eliminated.
Why this column
Licensed insolvency trustee. Only a licensed trustee can file a consumer proposal or bankruptcy, and it is the single most important thing to know before choosing a provider.
The cost that decides it
The four paths compared on cost, credit impact, how much debt is actually reduced, and how long it takes. Only the consolidation loan routes into our funnel; the other three link to licensed providers and honest guides.
Common questions
