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Clear, practical information to help Ontarians understand debt, compare solutions, and make informed financial decisions.
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Behind on taxes or CERB repayments? Learn how CRA collections work in Ontario, what enforcement actions to expect, and how a Licensed Insolvency Trustee can help you stop garnishments, freeze interest, and reduce your debt through a legal consumer proposal.
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Finishing a consumer proposal is a major achievement, it means you've taken control of your debt and followed through on a legally binding plan to repay what you could afford. But while the stress of collections and legal action is behind you, the next big question many people ask is: how do I rebuild my credit score?
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Missed a mortgage payment in Canada? Learn what happens if you don't pay your mortgage — from foreclosure and credit impact to legal action and government help
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A consumer proposal can help you get the relief you need from your debts. Find out if now the right time to file one!
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If you can’t close on your pre-construction condo or house, don’t panic—there are practical solutions
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Learn whether you can still get a mortgage while in a consumer proposal.
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Bankruptcy can typically last from 9 to 36 months
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Filing for bankruptcy in Canada? Wondering how it affects your spouse? Learn how joint debts, assets, and credit scores are impacted.
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Find out if a consumer proposal is bad for your financial future
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Licensed Insolvency Trustee (LIT) is a federally regulated professional in Canada authorized to assist individuals and businesses in resolv
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Key Takeaways When you file a consumer proposal, you will still be responsible for filing all past and future tax returns. You can keep future tax refunds except for the year of filing the consumer proposal if your tax debts were included in your consumer proposal. Navigating financial challenges can be overwhelming, and many Canadians turn to a consumer proposal to regain control of their finances. While this legal debt-relief solution offers numerous advantages, it can also raise questions...
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Struggling with collection calls in Canada? Learn how to protect your rights, stop unwanted calls, and find debt relief options in this help
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