Working with DACL is three steps: a free assessment, a plain-English review of your options with an advisor, and clear guidance on your next step. We assess your situation and refer you to the right professional. We do not file anything ourselves.
Free · Confidential · No credit check · No obligation
DACL assesses your situation, explains your options, and refers you to the right professional when a formal solution is involved. Only a Licensed Insolvency Trustee can file a consumer proposal or a bankruptcy, under the federal Bankruptcy and Insolvency Act. We are not a Licensed Insolvency Trustee, a lender, a law firm, or a government program.
You share a rough picture of what you owe, your income, and what is worrying you. It is free, it does not require a credit check, and it commits you to nothing.
Remote Friendly: Phone, online, or in-person.
An advisor walks you through the options that may fit your situation. That might include debt consolidation, a consumer proposal, a debt management plan, debt settlement, or bankruptcy. We explain each as education, not as a sale, and we are clear about who actually administers the formal ones.
For example, if you owe about $30,000 across credit cards and a line of credit, your advisor would look at your income, what you owe, and what you want to happen, then explain which routes could realistically apply and who administers each one.
You get clear guidance on what to do next. If a simpler route fits, we point you to it. If a consumer proposal or bankruptcy is the right fit, a Licensed Insolvency Trustee handles the filing, and we refer you to one. We do not file proposals or bankruptcies ourselves. You decide what happens next, with a clear picture of your options and no obligation.
Only a Licensed Insolvency Trustee can file a consumer proposal or bankruptcy under the BIA.
*DACL assesses and refers. The LIT files and administers the formal process.
If a consumer proposal turns out to be your route, here is what it generally covers. This describes the option, not a DACL outcome. A Licensed Insolvency Trustee confirms what applies in your situation.
A consumer proposal is a legally binding agreement under the Bankruptcy and Insolvency Act. A Licensed Insolvency Trustee files and administers it. You repay a portion of what you owe, over a term of up to five years (60 months). For a full explanation, read what a consumer proposal is, or compare it with alternatives to bankruptcy.
This is a rough self-check, not a guarantee of eligibility. A free assessment is the only way to know for sure. If any of the above sounds familiar, an assessment can help you see your options.
The simplest way to understand your options is to start the free, confidential assessment. There is no cost and no pressure, and you decide what happens next.
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