Debt Relief Services That Help Canadians Take Back Control
We connect Canadians with the right debt relief professionals and provide clear, unbiased information about every option available — from credit counselling and debt management plans to consumer proposals and bankruptcy.
Who We Are
Canadian Debt Relief is a free information resource based in Toronto that helps Canadians understand their debt relief options. We don't provide loans or financial products — instead, we match you with qualified, licensed professionals who can help you take the right next step.
Whether you're dealing with credit card debt, CRA tax debt, payday loans, or a mix of everything, our goal is to give you clarity so you can choose a path that's realistic and sustainable for your situation.
How Our Debt Relief Process Works
Getting help with your debt doesn't have to be complicated. Here's how we guide you from feeling stuck to finding the right solution.
Tell Us Your Situation
Complete a short, confidential questionnaire about your debts, income, and financial goals. It takes about two minutes.
We Assess Your Options
Based on your answers, we identify which debt relief solutions apply to your situation — whether that's credit counselling, a consumer proposal, or something else.
Get Matched With a Professional
We connect you with a qualified professional from our network — a credit counsellor, Licensed Insolvency Trustee, or other specialist — matched to your needs.
Move Forward With Confidence
Your matched professional explains the pros and cons, walks you through next steps, and helps you start a plan that fits your budget.
Debt Relief Options Available to Canadians
Every financial situation is different. We help you understand which of these proven debt solutions could work for you, so you can make an informed decision.
Consumer Proposal
A legally binding agreement filed through a Licensed Insolvency Trustee that lets you repay a portion of your debt — often as little as 20-30% — over up to five years. Interest is frozen and creditor calls stop immediately.
Learn about consumer proposalsDebt Management Plan
A structured repayment program set up through a non-profit credit counselling agency. Your debts are combined into one monthly payment, and interest rates are often reduced or eliminated entirely.
Learn about debt managementBankruptcy
A legal process for people who can't repay their debts through other means. While it has a more significant impact on your credit, it provides a fresh start and full protection from creditors under Canadian law.
Learn about bankruptcyDebt Consolidation
Combine multiple debts into a single loan with a lower interest rate. This simplifies your payments and can save you money on interest — but you'll need to qualify for the new loan based on your credit and income.
Learn about consolidationCredit Counselling
Work one-on-one with a certified credit counsellor who reviews your full financial picture, creates a budget, and recommends the best path forward. Often the ideal first step if you're unsure where to start.
Get matched with a counsellorWhy Canadians Trust Canadian Debt Relief
We've helped thousands of Canadians navigate their way out of debt. Here's what makes our approach different.
100% Free — No Hidden Costs
Our service is completely free to use. We don't charge fees, and there's no obligation to follow through. You'll never receive a surprise bill from us.
Unbiased, Clear Information
We're not trying to sell you a product. We explain every option in plain language — the pros, the cons, and what to realistically expect — so you can decide what's right for you.
Licensed, Regulated Professionals
Our network includes certified credit counsellors and Licensed Insolvency Trustees who are regulated by the Canadian government and held to strict ethical standards.
Confidential and Secure
Your personal and financial information is kept private. We take data security seriously, and the professionals in our network follow strict confidentiality protocols.
Fast, Personal Matching
After completing our questionnaire, we typically connect you with a qualified professional within one to two business days — matched specifically to your type of debt and financial situation.
Canada-Wide Network
No matter where you live in Canada — Ontario, BC, Alberta, Quebec, or the Atlantic provinces — we can connect you with a professional who serves your area.
The Professionals in Our Network
We don't provide debt services directly. Instead, we connect you with the right type of professional based on your unique situation.
Licensed Insolvency Trustees
The only professionals in Canada authorized to administer consumer proposals and bankruptcies. Licensed and regulated by the federal government.
Certified Credit Counsellors
Trained professionals who help you create a budget, understand your options, and set up debt management plans through non-profit agencies.
Financial Advisors
For situations that involve debt consolidation loans or refinancing, we can connect you with lending professionals who understand Canadian debt relief.
Common Questions About Our Debt Relief Services
Everything you need to know about how Canadian Debt Relief works and what to expect.
Canadian Debt Relief is a free information and referral service. We help Canadians understand the debt relief options available to them and connect them with qualified professionals — such as credit counsellors and Licensed Insolvency Trustees — who can provide direct assistance. We don't provide loans, financial products, or debt services ourselves.
Unlike debt settlement companies that charge fees to negotiate with your creditors, Canadian Debt Relief is a free service that connects you with licensed, regulated professionals. We don't charge any fees and we don't negotiate with creditors on your behalf. Instead, we ensure you're connected with the right type of professional for your situation.
We help Canadians dealing with all types of unsecured debt, including credit card debt, personal loans, payday loans, lines of credit, CRA tax debt, medical bills, and utility arrears. The professionals in our network can also advise on situations involving secured debts like mortgages and car loans.
No. Using Canadian Debt Relief to learn about your options and get connected with a professional has no impact on your credit score. Some debt solutions — like a consumer proposal or bankruptcy — may affect your credit temporarily, but your matched professional will explain all of this before you make any decisions.
There's no minimum debt amount required to use our service. Whether you owe a few thousand dollars on credit cards or have significant debt across multiple accounts, we can help you understand your options. The right solution depends more on your overall financial picture than just the amount you owe.
After completing our short questionnaire, we typically connect you with a qualified professional within one to two business days. Many people have an initial consultation scheduled within the same week they reach out.
Absolutely. We provide information so you can make an informed decision, and the professional you're connected with will explain all available options in detail. The final choice is always yours — there's no pressure and no obligation to proceed with any particular solution.
Yes. Our network of professionals serves Canadians in every province and territory, including Ontario, British Columbia, Alberta, Quebec, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island, and the territories.
Ready to Explore Your Debt Relief Options?
Take two minutes to tell us about your situation. We'll help you understand your options and connect you with a qualified professional — completely free.
See if You Qualify