Debt management

Paying down debt, what to do if a collection agency contacts you and getting help with debt.

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Services and information

Making a plan to be debt-free

A step-by-step process for paying back your debt.

Protecting yourself if interest rates rise

How your loan payments may increase if interest rates rise.

Getting help from a credit counsellor

Finding a reputable agency, debt management plans and comparing options to repay debt.

Using a debt settlement company

Things to consider before you sign up with a debt settlement company.

You owe money—consumer proposals

How to make a formal offer to creditors to settle debts under conditions other than the original terms.

You owe money—considering bankruptcy

An overview of the bankruptcy process that helps individuals who are unable to pay their debts.

Dealing with a debt collector

Dealing with a debt collector, your rights and how to pay back your debt.

Financial goal calculator

Calculate how to pay down your debt and reach your savings goals.

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