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Debt Help

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Getting help with debt problems

If you need help with debt, you are not alone. An estimated one in six people is having serious financial difficulties. Worry and stress caused by excessive debt is unhealthy and can affect every area of your life.

You may find yourself in financial distress due to disability or illness, the loss of your job, a business failure or family problems. Many of these situations are beyond your control.

Don't be discouraged. We can help you find debt solutions. Contact us and take the first step towards solving your financial problems. We're here to help.

There are a number of options to help you get out of debt, including:

  • Consumer Proposal

    Depending on the amount of your debt, it may be possible for you to contact your creditors directly and negotiate a lower interest rate or a repayment schedule that works for you.


  • Bankruptcy

    When your financial obligations can no longer be met, filing bankruptcy in Ontario enables you to get immediate protection from your creditors and have a fresh start.

  • Debt Consolidation Loan

    Debt consolidation gathers your debts into a single loan so that you can repay multiple creditors through one monthly payment. The interest rate is often lower than what your existing creditors offer.

  • Informal debt settlement

    With informal debt settlement, creditors expect you to present them with a plan outlining how you can pay them back; there are many variables and potential challenges to consider.

  • Credit Counselling

    In situations where your debt is low but repayment is becoming unmanageable help from an Ontario credit counselling agency may be an option. Non-profit credit counselling organizations contact creditors on your behalf. They also provide education and counselling on personal budgeting strategies and how to avoid debt.

    » Read more about these debt solutions

To get help and review debt solutions in Winnipeg or Manitoba, call us in Winnipeg at 204-594-7160 or toll free in Manitoba at 1-866-941-6353 for a free, no obligation, confidential consultation.

» Signs you may need to file bankruptcy


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