Success Stories
Real life client story: She didn’t just file, she finished. A 60-month consumer proposal
How student debt and living paycheque to paycheque overwhelmed a young student – and how she found a fresh start.
General
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.
Success Stories
Real life client story: When a business didn’t work out, debt followed – and asking for help changed everything
How a business setback and rising debt left a mother feeling overwhelmed – and how seeking help restored stability.
Success Stories
Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal
How a career-changing injury left a professional athlete facing overwhelming debt – and how a consumer proposal gave his family stability and hope.
Success Stories
Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability
How debt, betrayal, and wage garnishment pushed a young professional to the breaking point – and how a consumer proposal helped her rebuild her mental health and stability.
Articles & Insights
Surplus income limits in Canada – updated for 2026
Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.
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.
Articles & Insights
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
E-Books & Guides
Retirement Debt Guide
A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.
E-Books & Guides
Stay in Business: How to handle small business debt
If debt, CRA obligations, or cash flow stress are putting your business at risk, this free guide shows you how to regain control, without judgment or guesswork.
See How Much You Could Save With a Consumer Proposal!
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How We Help Others
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