The assessment is free, confidential, and carries no obligation. You talk to a real advisor about your situation, no credit check and no pressure to commit to anything.
The debt assessment is free, confidential, and carries no obligation. You talk to a real advisor about your situation, they explain the options that may fit, and you decide what to do next. There is no credit check and no pressure to commit to anything.
Helping Canadians since 2009. 4.9★ from 739+ Google reviews. Over $28 million in debt reviewed. Free. No credit check. Confidential. Based in Mississauga, serving clients across Canada, excluding Quebec and the territories.
A free debt assessment is a short, confidential conversation about your debt. An advisor reviews what you owe and explains the options that may apply to your situation. You can ask questions, take your time, and decide nothing on the spot. It costs nothing, it is not a credit application, and starting it does not commit you to anything.
The assessment is one step at a time, and you stay in control the whole way through.
You can see the full process on our how it works page.
Put simply, the assessment is a conversation, not a sales pitch. An advisor listens, explains, and points you toward the option that may suit you. That can be something simple, like a clearer budget or debt consolidation, or something formal, like a consumer proposal that a Licensed Insolvency Trustee would file.
To be clear about our role: DACL assesses your situation, explains your options, and refers you to the right professional when a formal solution is involved. We are not a Licensed Insolvency Trustee, a lender, a law firm, or a government program. Consumer proposals and bankruptcies can only be filed and administered by a Licensed Insolvency Trustee under the federal Bankruptcy and Insolvency Act. Where one of those may fit, we explain it and connect you with a trustee.
DACL has helped Canadians since 2009 from our office in Mississauga, Ontario. Our reviews come from real Google reviews, 4.9 from 739+, and we have reviewed over $28 million in debt. You can read about who we are and check us for yourself.
People reach out at different points, and most arrive worried about being judged. Here are a few common situations.
Yes. The assessment is free, confidential, and carries no obligation. You talk to an advisor about your situation, and you decide what to do next. There is no charge, and starting does not commit you to anything.
No. The assessment is a conversation about your situation, not a credit application. It does not involve a credit check, so it does not affect your credit score.
You share your debt range, then talk with an advisor who reviews your situation and explains the options that may fit. You decide your next step. There is no cost and no obligation at any point.
No. Only a Licensed Insolvency Trustee can file a consumer proposal or a bankruptcy, under the federal Bankruptcy and Insolvency Act. DACL reviews your situation, explains your options, and refers you to a trustee when a formal filing is the right fit.
No. DACL cannot stop collection activity. A stay of proceedings, which pauses actions like wage garnishment, begins only when a Licensed Insolvency Trustee files a consumer proposal or bankruptcy. The assessment helps you understand which options may apply.
DACL serves clients across Canada, excluding Quebec and the territories, from our office in Mississauga, Ontario. Most of our help is provided by phone and email wherever you are.
A short, free, confidential assessment is the simplest way to understand where you stand and what you can do about it. There is no cost and no pressure.