Many Ontarians in 2026 are working hard, budgeting carefully, and making regular payments, yet still finding it difficult to get ahead financially. Rising living costs, high interest rates, and unexpected expenses have made debt harder to manage, even for responsible households. This guide explains why debt can persist despite good financial habits and explores realistic relief options available in Ontario.

If you're struggling with debt and considering insolvency for financial relief, here are a few important tips that can help you make the rig

What is Tax Debt? This can include any personal taxes owed to the Canada Revenue Agency (“CRA”), which can arise from several reasons...

There can be confusion on what debts can be included in a consumer proposal and bankruptcy. In general, all debts are included in a...

Having a good credit score is important in Canada to qualify for debt such as a credit card or mortgage with lenders. Having a poor score...