Articles & Insights
Why you should never pay a collection agency
If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.
Articles & Insights
Knowledge is power, especially when you’re dealing with debt. Get answers, tools, and real-life support all in one place.
Discover More About Debt and Debt Solutions in Canada with helpful articles & debt advice
Explore articles, guides, and videos designed to help you understand your debt relief options, protect your assets, and make informed decisions with confidence.
Articles & Insights
Tax Stress Survey 2026: A cash-flow stress test for Canadians
In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.
Articles & Insights
2026 Canada tax deadline: when to file and when to pay
If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due – and when payment is required.
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Grocery Debt: the “New Normal” for Canadians in 2026: What Spergel’s survey reveals
A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the “credit orbit” and the rising trend of juggling bills to afford basic essentials.
Articles & Insights
The average cost of living in Canada: a breakdown by province in 2026
The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.
Articles & Insights
Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives
Many Canadians want to get out of debt without filing anything formal – no bankruptcy, no consumer proposal, no court
Articles & Insights
Spergel’s Financial Hangover Survey & Results
As Blue Monday approaches, Spergel’s Financial Hangover survey reveals how deeply holiday spending has impacted Canadians’ financial and emotional wellbeing.
Articles & Insights
The ultimate holiday spending guide (2025)
The holidays should feel joyful – not stressful. Yet many Canadians overspend without realizing it until the credit card bill arrives in January.
Articles & Insights
Bankruptcy exemptions by province in 2025
Are you considering filing for bankruptcy? Like many Canadians, you might be under the impression that you lose everything when you file.
Articles & Insights
Unsure about filing for debt relief? Here’s how to feel confident in your next step
Starting the journey to deal with your debt is a big, brave step – but it’s also completely normal to feel unsure about filing for debt relief.
Articles & Insights
The hidden stress of everyday spending in Canada
Many Canadians worry about major life costs – mortgages, car loans, or tuition – but there’s another, quieter source of financial stress that often gets overlooked: everyday spending.
Articles & Insights
Debt and rent in Canada: what to do if you’re behind on payments
Falling behind on rent? You’re not alone. With the rising cost of living, more Canadians are facing the difficult reality of choosing between paying rent and managing debt.
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