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If you’ve searched for debt help online, there’s a good chance you’ve seen ads promising fast relief, expert support, or

Free Debt Advice

Illegal debt-relief ads are still targeting vulnerable Canadians. Here’s why that matters.

January 19th, 2026

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Bankruptcy, sponsorship, and citizenship in Canada

January 5th, 2026

If you’re dealing with bankruptcy in Canada and worrying about how it could affect your immigration status, you’re not alone.

If you’re here, chances are money has stopped being a background worry and started intruding on everything else. Sleep. Focus.

Consumer Proposal vs. informal debt settlement: Finding a way forward that actually fits

December 17th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

Harris & Partners Financial Resilience Index 2025: The Year Canadian Debt Stress Hit a Breaking Point

December 11th, 2025

A close-up, slightly low-angle shot of a brushed silver or metallic sign with the word "Canada" engraved in large black serif letters, accompanied by a small Canadian flag (red with a white maple leaf) etched into the sign. The sign is outdoors at sunset, with a blurred background showing an orange sky and water or a harbor.

Quick answer: Yes, the CRA accepts consumer proposals in Canada when your offer meets their standards for repayment, compliance, and

Does the CRA Accept Consumer Proposals in Canada?

November 20th, 2025

Missing a consumer proposal payment puts your plan at risk, and falling three payments behind triggers an automatic annulment under

What happens if you miss a consumer proposal payment?

November 20th, 2025

Calculator on a calendar with envelopes, representing the calculation of affordable monthly payments for a Canadian consumer proposal

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

How much do consumer proposals cost in Canada?

November 20th, 2025

Bankruptcy AlternativesFree Consumer Proposal Advice

A focused professional man wearing glasses and a dark suit sits at a light wood desk in a modern office. He is intently reviewing and comparing two white paper documents, holding one in each hand. A white laptop, a clipboard with papers, and a pen are also on the desk in front of him. Glass walls and a blurred office background are visible behind him.

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Bankruptcy or Consumer Proposal in Canada: Which is Right for You?

November 20th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

Consumer proposals: A better choice than debt consolidation

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

How to qualify for a consumer proposal in Canada (The full guide)

November 20th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

Christmas Spending Statistics 2025: Canadians brace for a budget-conscious holiday

November 10th, 2025

Devastated gambler man losing a lot of money playing poker in casino,

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

How to get out of gambling debt in Canada

October 14th, 2025

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What to consider if you can’t pay back student loans

October 14th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

A couple sitting at a kitchen table reviewing bills and financial documents, looking concerned, with a laptop, coffee pot, and paperwork spread out in front of them.

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Why 60% of Canadians feel worse off financially since 2020

October 7th, 2025

A new survey from Harris & Partners reveals that six in ten Canadians say they’re financially worse off today than they were in 2020. Even more concerning, nearly nine in ten report that everyday...

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What is notice of collection CRA? Your complete guide

September 30th, 2025

A notice of collection from the CRA is a formal warning that your tax debt is overdue and the Canada Revenue Agency may take legal action—such as garnishing wages or freezing bank accounts—if you...