If debt has crept up on you, Debt Advisors Canada can help you make sense of your options. We serve New Brunswick residents remotely by phone, email, and online. We do not have a New Brunswick office. Our only office is in Mississauga, Ontario. The assessment is free and confidential, with no pressure to do anything.
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DACL helps New Brunswick residents remotely. We review your situation, explain the options that may apply, and refer you to the right professional when a formal step is involved. We have no New Brunswick office, we are not a lender, and we do not file insolvency paperwork. New Brunswick had the highest consumer insolvency rate in Canada in 2024, at about 0.48 filings per 1,000 people (Source: OSB, 2024). If your debt feels unmanageable, you are far from alone, and there are established ways through it.
No office visit needed. We serve New Brunswick entirely by phone, email, and online.
STEP 1
A rough picture is enough to start. Free and no-obligation.
STEP 2
An advisor explains the options that may apply, in plain language.
STEP 3
You decide with a clear view of your choices.
This is where New Brunswick stands apart from most provinces. There is no fixed garnishment percentage.
New Brunswick brought ordinary-creditor wage garnishment in under the Enforcement of Money Judgments Act, in force since December 1, 2019. Instead of a set 30% or a sliding scale, the Sheriff sets the garnishable amount after looking at your income and your reasonable needs. RRSPs are fully exempt. There is also a five-year sunset: a wage garnishment runs for a limited period before the creditor has to re-apply.
In plain English, what a creditor can take from your pay in New Brunswick is assessed case by case, not fixed by a formula. That makes a clear picture of your income and needs more valuable, not less. This is general information, not legal advice, so confirm the current process with a licensed professional.
Exempt propertyUnder the same Enforcement of Money Judgments Act, New Brunswick sets out exempt property if a formal solution is ever involved: one vehicle up to a set value where it is needed for work, household furniture and appliances up to a cap, tools of your trade up to a cap, and principal-residence equity up to a limited amount. RRSPs are generally exempt. The takeaway is that not everything is on the table, and an assessment helps you see what is protected before you choose.
Limitation periodNew Brunswick's Limitation of Actions Act sets a two-year period. A creditor generally has two years from when the debt is discovered, usually your last payment, to sue you. A partial payment or a written acknowledgement restarts the clock. After two years, the creditor's ability to sue is limited. General information, not legal advice.
Collector rulesNew Brunswick licenses collection agencies through its financial-and-consumer-services regulator. Collectors generally cannot contact you on a holiday, can only reach you on Sundays between 1pm and 5pm, and otherwise only between 7:00am and 9:00pm. They cannot threaten legal action without proper notice or collect more than you owe. Boundaries like these can ease the pressure while you decide.
We explain these and refer you onward when a formal step fits. We do not administer any of them.
DACL assesses, educates, and refers, remotely for New Brunswick residents. We are not a Licensed Insolvency Trustee, a lender, a law firm, or a government program, and we have no New Brunswick office. Consumer proposals and bankruptcies are filed and administered only by a Licensed Insolvency Trustee under the federal Bankruptcy and Insolvency Act.
We review your situation and explain your options in plain language.
When a formal solution is involved, we refer you to a licensed professional.
DACL is not a Licensed Insolvency Trustee, a lender, a law firm, or a government program.
We've been helping Canadians since 2009. Here is what people ask most:
Yes, remotely by phone, email, and online.
No. Our only office is in Mississauga, Ontario.
There is no fixed percentage. The Sheriff sets the amount based on your income and reasonable needs, after a court judgment. General information, not legal advice.
No. Only a Licensed Insolvency Trustee can, under the federal Bankruptcy and Insolvency Act. We assess and refer.
Yes. Helping Canadians since 2009 from our Mississauga office, with 739+ public Google reviews. Is DACL legitimate?
A short, free, confidential assessment is the simplest way to understand where you stand in New Brunswick and what to do next. No cost, no pressure, no office visit.
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By Ishank · Debt Education & Content · Debt Advisors Canada
Last updated:
General information, not legal, financial, or professional advice. Confirm your situation with a licensed professional. Debt Advisors Canada is not a Licensed Insolvency Trustee, a lender, or a government program.