Are you ready to turn the page on debt? 

No obligation and confidential

Book Your Free Consultation

Start a new chapter with a free consultation today.

Find peace of mind

Take the weight of debt off your shoulders, along with the stress and anxiety that comes with it.

Simplified payments

Consolidate your debts into one easier to manage, interest-free monthly payment that fits your budget.

Prevent legal action

We’ll stop creditors from seeking collections, garnishing wages or threatening further legal action.

Take control

Debt can be overwhelming. Our personalized plans help you make sense of it all so you can take control of your finances

What Canadians are saying

- Ellen, Ontario

2020 © BDO Canada Limited. All rights reserved

BDO has been helping Canadians with their debt since 1958. Our friendly, experienced Licensed Insolvency Trustees and debt counsellors, located in over 120 offices across Canada, are ready to help you regain control of your finances and leave debt behind.

From unmanageable debt to unplanned 
life events, we are here to help Canadians with 
your finances

Here's why Canadians are choosing BDO for debt relief

  • 60+ years of experience 
  • Over 120 offices across Canada 
  • Over 380 debt counsellors 
  • 55,000 Canadians helped in last 5 years alone 
  • Winner of Consumer Choice award 
  • Licensed by the Canadian federal government 
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“With my BDO debt solutions plan, I will be debt-free sooner than I ever could have hoped for... I have the weight of the world off my shoulders”

Book your free consultation now

No obligation and confidential

Ready to get ahead of your debt?

Book your free consultation with our friendly, experienced debt counsellors and we'll get in touch with you shortly.

Falling behind on high-interest debt like credit card payments can be costly. A debt consolidation loan that combines multiple debts into one payment is one option for debt relief. To help you find a solution that works for you, our team of experts will explain every option for debt relief, including debt consolidation loans, budgeting tools, credit counselling, debt management plans, debt settlement plans, consumer proposals and bankruptcy.

Debt Consolidation Advice

When you can afford to pay your debts with the right plan in place

Being in debt can be stressful, especially when it becomes unmanageable. Bankruptcy can be a strategic solution advised by our Licensed Insolvency Trustees that will have your debt discharged in 9 months without losing everything or having everyone know about it.

When your debt is unmanageable and you can no longer keep up with your payments 

Bankruptcy Services

What happens in the free consultation?

After filling out the contact form, one of our debt professionals will contact you to schedule your initial consultation, which will typically last 30 to 60 minutes. During this first meeting, you’ll meet with a BDO debt counsellor who will start by listening to your financial situation. Once we have a clear picture of your income, assets and debt, we will explain all possible solutions and help you develop a plan to resolve your debt that is right for you.

How do I know when I need help with my debt?

Common signs that you may need help paying your debt include using one credit card or line of credit to pay off another and frequent late or missed payments. You may be living paycheque to paycheque, asking your friends or family for financial help or receiving calls from creditors. Most importantly, if you are feeling stressed and anxious about your financial situation, it is important to seek debt help sooner rather than later.

What’s different about BDO compared to other debt help providers?

BDO has been helping Canadians find the right solution to their debt problems since 1958, with more offices across Canada than any other debt help provider. We understand that debt can be financially and emotionally stressful. Our debt professionals are fully licensed by the Canadian federal government, which means we can help you with plans that non-licensed entities cannot. Only a Licensed Insolvency Trustee can file a consumer proposal or bankruptcy on your behalf.

Will I have to go bankrupt?

Not necessarily. Everyone’s situation and circumstances are different, and our team of debt professionals will always create the most effective plan for you based on your unique needs. Bankruptcy is only explored after all other debt solutions are ruled out. However, in situations where you and your debt counsellor agree that bankruptcy makes the most sense, a BDO Licensed Insolvency Trustee will guide you through the process from start to finish.

Frequently Asked Questions

If you have any other questions, our debt counsellors and Licensed Insolvency Trustees would be happy to advise you on the free consultation.

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Our personalized, debt-free plans are created for your unique situation

Our Licensed Insolvency Trustees will negotiate a legal agreement with your creditors that combines your unsecured debts into a single monthly payment that can be settled in 5 years or less. You will often repay much less than what you owe, and you’re able to keep your assets while avoiding bankruptcy and legal actions.

When you are able to repay some, but not all of your unsecured debt

Consumer Proposals

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