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Debt Management Program One monthly payment at lower interest, set up with a counsellor. Debt ConsolidationPopular Combine several debts into a single, simpler loan. Credit Counselling Free guidance from an expert to build a plan that fits. Debt Settlement Negotiate a lump-sum payoff for less than the full balance. Consumer Proposal A legally binding deal to repay part of what you owe. Bankruptcy A fresh start when debts can no longer realistically be repaid.
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Credit Card Debt What card debt costs, and every way to get out of it. Credit Health Understand, build and protect your credit score and report. Budgeting & Money Practical tools to plan spending, save, and manage money. Loans & Credit How credit cards, loans and lines of credit really work. Taxes & Benefits Filing, tax debt with the CRA, and the benefits you are owed. Housing & Mortgages Mortgages, renting, and dealing with housing debt. Debt Repayment Proven ways to pay down debt, from snowball to avalanche.
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Calculators
Debt Repayment Calculator How soon you could be debt free. Debt Consolidation Calculator Could one loan lower your payment? Credit Card Debt Calculator The true cost of minimum payments. Guilt Calculator Put a number to guilty spending. Debt to Income Ratio How your debt compares to income. Tax Bracket Comparison Compare brackets before and after a raise.
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Debt Relief Options
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Debt Relief Options
Debt Management Program One monthly payment at lower interest, set up with a counsellor. Debt ConsolidationPopular Combine several debts into a single, simpler loan. Credit Counselling Free guidance from an expert to build a plan that fits. Debt Settlement Negotiate a lump-sum payoff for less than the full balance. Consumer Proposal A legally binding deal to repay part of what you owe. Bankruptcy A fresh start when debts can no longer realistically be repaid.
Not sure where to start?

Answer a few questions and we will point you to the option that fits your situation.

Free and confidential
Takes about two minutes
Talk to a real specialist

Get a free assessment
Compare all debt relief options
Money Guides
Credit Card Debt What card debt costs, and every way to get out of it. Credit Health Understand, build and protect your credit score and report. Budgeting & Money Practical tools to plan spending, save, and manage money. Loans & Credit How credit cards, loans and lines of credit really work. Taxes & Benefits Filing, tax debt with the CRA, and the benefits you are owed. Housing & Mortgages Mortgages, renting, and dealing with housing debt. Debt Repayment Proven ways to pay down debt, from snowball to avalanche.
Not sure where to look?

Start with the topic closest to what you are dealing with, then dig into the guides underneath.

Free guides and tools
Independent and clear
Written for Canadians

Compare debt relief options
See all articles
Calculators
Debt Repayment Calculator How soon you could be debt free. Debt Consolidation Calculator Could one loan lower your payment? Credit Card Debt Calculator The true cost of minimum payments. Guilt Calculator Put a number to guilty spending. Debt to Income Ratio How your debt compares to income. Tax Bracket Comparison Compare brackets before and after a raise.
New here?

Start with the Credit Card Debt Calculator, the one most people run first.

Free to use
Instant results
No sign-up needed

Open the calculator
See all calculators
About

Français Get Debt Relief

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Debt.ca provides information and tools to help Canadians get out of debt. Learn more about the debt relief options in Canada and find out which one is right for you.

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Debt.ca does not provide direct debt adjustment services, but, upon request, acts as a locator service for Licensed Debt Relief providers or Licensed Proposal Administrator and Insolvency Trustee regarding products and services. It is ultimately up to you to determine whether the companies that we may introduce you to are appropriate for your situation. Results will vary based on individual circumstances. Please read and understand all contract terms prior to your enrollment. You are under no obligation to enroll in, or purchase, any product or service.

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