Find Qualified Debt Help in Canada: Where to Start

DebtHelp.ca explains debt topics. We do not offer credit counselling, lend money, administer insolvency proceedings or book appointments with providers. The resources below take you directly to organizations that can help you find qualified support.

For consumer proposals or bankruptcy

Speak with a Licensed Insolvency Trustee, often shortened to LIT. The Office of the Superintendent of Bankruptcy maintains the official directory. Check the person or firm there, then use independently verified contact details to reach them directly.

Search the official LIT directory

An initial consultation is usually free, according to the OSB. Confirm the provider’s terms before the meeting. You do not need a paid intermediary to contact a trustee.

For budgeting support and debt management plans

A credit counsellor can explain budgeting support and informal repayment options. Both non-profit and for-profit organizations offer services. Check qualifications, reputation and costs. Non-profit status does not mean every service or programme is free.

FCAC’s guidance explains how to assess an agency and links to national associations. It also identifies Quebec resources, where community budget counselling may be available through an ACEF.

Read FCAC’s counsellor guidance

For CRA payment concerns

Use the Canada Revenue Agency’s official payment-arrangement information and contact routes. An arrangement does not automatically eliminate interest or prevent every other collection measure. Ask about the specific account and obligations involved.

Go to CRA payment arrangements ↗

Questions worth taking to any appointment

• What is your role, and how can I verify your qualifications?
• Which options have you considered for my circumstances?
• What would I pay in fees and toward the debt?
• Which debts, creditors or assets are outside the arrangement?
• What happens to credit reporting, co-signers or legal proceedings?
• What happens if I cannot keep up with the proposed payment?

Ask for written information and time to read it. Our first-appointment guide helps organize documents and questions.

About these links

These are direct informational links, not sponsored recommendations or an assessment of suitability. DebtHelp does not collect or sell your financial details through this page. A listed resource is not an endorsement by that organization of this website.