Dealing With Debt and Not Sure What Options Exist?
Most Canadians in this situation have never been walked through what may actually apply to them. That's what the free assessment is for.
We've been helping Canadians understand their debt options since 2009. Transparent. No pressure. No commitment.
Trusted by Canadians
Looking for Debt Help.
For 16+ years, our team has helped Canadians review their situation, understand their options, and take the next step with more confidence.
Years of Service
$28M+
In Debt
Reviewed
Common Debt Challenges
Canadians Face.
Collection Pressure
Collection calls and letters can become overwhelming. Depending on the path someone takes, certain formal processes can pause or stop collection activity entirely.
High-Interest Balances
Minimum payments often cover mostly interest, making it difficult to reduce balances over time.
Rising Cost of Living
Many Canadians rely on credit for basic expenses due to inflation and rising costs — but this can lead to unmanageable balances.
You Have More Options Than You Think.
Most Canadians dealing with serious debt have never been walked through what's actually available to them. There are structured paths through this that most people don't know exist — and they don't involve bankruptcy or taking on more loans.
→ It's not bankruptcy.
→ It's not a loan.
→ And it actually works.
How the Debt Relief Process Works
A structured, federally regulated process that protects you from creditors and gives you a realistic path out — without filing bankruptcy.
STEP 1
Quick Chat
Tell us about your situation. No credit check, no commitment.
STEP 2
See What Applies to Your Situation
A specialist reviews what you've shared and walks you through what may be available based on where you're at.
STEP 3
A Clearer Path Forward
Most people leave that conversation with a better understanding of their options, what the next step could look like, and a lot less weight on their shoulders.
Free assessment • No obligation • 60 seconds
Understanding the Differences
Between Bankruptcy, Consolidation,
and Legal Relief
Bankruptcy is sometimes appropriate, but many Canadians qualify for regulated alternatives that offer significant relief without filing for bankruptcy.
Keep your assets
Stop collection calls
Reduce total debt
Credit impact
Public record
Monthly payment
Understanding Your Options Starts Here
Start Free AssessmentFree assessment • No obligation • 60 seconds
Bankruptcy destroys your credit for 6–7 years
and might cost you your home equity.
Consolidation loans sound great — until you realize you're still paying
100% of what you owe
if you can even qualify with damaged credit.
Debt relief can cut what you owe, stop the harassment, and let you rebuild your life without scorched earth.
Free assessment • No obligation • 60 seconds
Trusted by Canadians
Coast to Coast
Real stories from people who took control of their financial future.
"I found this experience very helpful and he sure took a load off my shoulders. He was very friendly and did not make me feel ashamed or at all. Bob Singh was just a pleasure to tal..."
Debbie Kells.
"They really helped me and is awesome! I had great experience. Bob Singh helped me and guided me through this process as I was overwhelmed. He was very patient and kind with me. Now..."
Kelly Sweers.
"Andy Goss was an amazing Representative and he made my day the best day ever by taking away the stress that I persevered! Thank you Andy, for your patience and attendance of taking..."
Jenny Ali.
What Sets Us Apart
Canadians deserve debt solutions that are transparent, honest, and truly supportive. Here's what you can expect from us.
01
No Sales Pressure
Speak directly with experienced debt professionals who focus on clarity, not sales tactics. If it isn't the right fit for your situation, we'll walk you through your alternatives.
02
Completely Confidential
Your situation is private, and it stays private. The process does not appear on public record, and your personal information is handled with strict confidentiality from start to finish. Everything is reviewed discreetly, and only with your authorization.
03
Established and Accountable
Debt Advisors Canada has been operating since 2009. We are transparent about what we do, what we don't do, and who handles the process on your behalf. No hidden steps, no surprises.
What You Can Expect From Us
Clear guidance without pressure
You'll receive straightforward information so you can make the decision that's right for you.
Transparent explanations
No unrealistic claims, no surprises. Every step is outlined clearly.
Respect at every stage
Debt affects millions of Canadians. You'll always be treated with professionalism and understanding.
We know financial stress can feel overwhelming. Our role is to provide clarity and a path forward — walking you through your options with honesty and care, whatever your situation looks like.
Your Questions, Answered
We've been doing this since 2009. These are the questions everyone asks:
Will I lose my house or car?
Not necessarily. The goal is to help you get out of debt without losing what matters. In many cases, your property, vehicle, and savings can remain intact — a specialist can walk you through what applies to your situation specifically.
How is this different from bankruptcy?
Bankruptcy wipes out debt but hits your credit for 6–7 years and can put certain assets at risk. This process reduces what you owe, protects assets in most cases, and lets most people rebuild credit within 2–3 years after completion. It's a far gentler path with a much smaller long-term impact.
What debts can be included?
Credit cards, personal loans, lines of credit, payday loans, tax debt, old utility bills, accounts in collections, even things like a repossessed car or a foreclosed home. If it's unsecured debt, it can usually be included.
How does this affect my credit?
Your credit takes a hit — there's no way around that. But it's far less damaging than bankruptcy. Most people rebuild within 2–3 years after completion. Compare that to 6–7 years for bankruptcy.
Is this a government program?
No. It's not a grant or a handout. It's a structured process that exists under Canadian law, administered by licensed professionals, that lets you restructure what you owe in an organized, transparent way. Creditors agree because it gives them a better outcome than getting nothing.
What's the catch?
There isn't one, but there are basic requirements. Your unsecured debt usually needs to be $10,000 or more. That's really the only threshold. The rest is handled through the process by the professionals involved.
How long does it take?
Most arrangements run 3–5 years of monthly payments. After that, remaining balances may be discharged entirely. Some people finish early if they come into money — inheritance, bonus, etc.
Can I do this on my own?
Technically yes. Realistically no. It involves legal documents, negotiations, and federal rules that are hard to navigate without experience. The professionals who handle this do it full-time and manage everything for you.
Still Have Questions?
Start Free Assessment
You didn't fail.
The system failed you.
High interest rates, wage stagnation, job loss, medical bills — debt happens to good people every day. What matters is what you do next.
You can keep juggling payments that never move.
You can keep losing sleep.
You can keep dodging calls.
Or you can talk to someone who actually knows what options exist, and what the path forward could look like for your situation.
It's a 15-minute call. No obligation. No pressure.
Get Your Free
Debt Relief Assessment.
Speak with an advisor who’ll review your situation, explain your options, and show you what may be possible based on where you’re at.