Answers

Tips, Tricks, Help & Relief Options

Dealing with debt often brings many questions, and you’re not alone in seeking answers. On this page, we’ve gathered the most common questions about debt in Canada based on the real-life experiences of people just like you. From understanding how debt affects your credit to exploring available relief options, these questions reflect many Canadians’ genuine concerns.

Financial Solutions for Canadians

We aim to provide clarity and reassurance, reminding you that you’re not alone. Many others are walking the same path, and together, we can navigate these financial challenges to find a way forward.

Have a question you’d like to ask? Want to ask it anonymously? Ask any question about debt anonymously, and we’ll get back to you as soon as possible with an answer. Ask a debt question.


How to declare bankruptcies in Ontario? DEBT INSIDERS

How to declare bankruptcies in Ontario?

personal bankruptcy
Thinking about declaring bankruptcy in Ontario? Discover the essentials of the process with expert guidance from a Licensed Insolvency Trustee. Learn more now!
How do I get a free credit report from Equifax?

How do I get a free credit report from Equifax?

credit rebuilding
Get your free credit report from Equifax Canada easily! Discover four simple way to request your report today. Learn more about checking your credit history!
How much to offer to settle debt? DEBT INSIDERS

How much to offer to settle debt?

debt settlement
Struggling with a debt settlement? Discover how much to offer in negotiations—typically 20% to 70% of your total debt. Read now for expert tips!
What is a consumer proposal Ontario? DEBT INSIDERS

What is a consumer proposal Ontario?

consumer proposal
Struggling with debt in Ontario? Discover how a consumer proposal can help you settle your debts without bankruptcy. Find out how it works and learn more now!
Can bill collectors call your work? DEBT INSIDERS

Can bill collectors call your work?

debt management plan
Discover the rules surrounding debt collectors and workplace contact in Canada. Learn your rights and how to manage intrusive calls at work. Read now!
Is Canadian Credit Recovery Agency legit? DEBT INSIDERS

Is Canadian Credit Recovery Agency legit?

debt settlement
Discover if the Canadian Credit Recovery Agency is legitimate or predatory. Learn about Licensed Insolvency Trustees and debt collection practices. Read now!
Can a collection agency garnish your wages? DEBT INSIDERS

Can a collection agency garnish your wages?

consumer proposal
Learn about wage garnishment and how collection agencies can legally access your earnings in Canada. Know your rights & options against debt collectors now!
Does Equifax affect credit score? DEBT INSIDERS

Does Equifax affect credit score?

credit rebuilding
Discover how Equifax affects your credit score! Learn about soft inquiries and their impact. Read now to safeguard your credit health & make informed decisions!
Can you add debt to a consumer proposal? DEBT INSIDERS

Can you add debt to a consumer proposal?

consumer proposal
Wondering if you can add new debts to your consumer proposal? Discover the rules and potential solutions for managing unexpected financial challenges. Read now!
How long does bankruptcy last Canada? DEBT INSIDERS

How long does bankruptcy last Canada?

personal bankruptcy
Discover the bankruptcy duration in Canada and what factors affect it. Learn about timelines for first-time and repeat filers. Read now for essential insights!