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the page on debt

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You’re worth more than your debt

Debt’s never the end of the story. Let us help you find the right path to debt freedom.

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Our Solutions

Debt Counselling Icon

Debt Counselling

Sometimes all you need is budgeting advice, or guidance on credit counselling or debt consolidation.

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Consumer Proposal Icon

Consumer Proposal

If you're struggling, we can renegotiate your debt and lower your monthly payments by up to 80%.

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Bankruptcy Icon

Bankruptcy

When you're no longer able to repay your debt, we can provide a fresh start and immediate relief.

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How we've helped

Our clients say it best. Hear from people we've helped about their financial recovery journey and their experiences with BDO.

When I needed guidance and clarity the staff was always there and very prompt in getting back to me. I was cared for and respected in the recovery of my financial state. Thank you for your time and help during that difficult time.

Amanda

Newfoundland

A few words to express my gratitude to the team at BDO for making my experience with them from day one to the end of the journey a pleasant one. If only I had found them earlier, life would have been less stressful. Once I forwarded all the needed applications, information and documents to them it was a quick process. Everyone is understanding and not judgmental. Things progressed so smoothly that I was able to complete the payback period much sooner than expected. I would recommend BDO in a heartbeat. "

Anonymous, Quebec

Montreal

I would like to personally thank the BDO team for supporting me through a very stressful time in my life. There was no judgement and I felt very supported. What was a very scary time for me turned into a positive experience and they gave me the tools to move forward.

B.S.

Regina

I walked into BDO feeling anxious, scared and embarrassed. I was treated with the utmost respect and a sincere understanding of my financial situation without being judged. I got excellent advice for my current situation, ongoing assistance through the whole bankruptcy process and professional training and advice for a healthy financial recovery. Thanks to the team at BDO, less than a year after filing bankruptcy I am in a great financial state, with good credit. Thank you BDO.

Leslie Jones

North Bay

My Licensed Insolvency Trustee and her team were compassionate and understanding of my situation and helped create a solution that worked for me. BDO as a whole offered great resources to understanding my options, and their national reach allowed me to connect with a local office after moving so I didn't have to travel hours for in-person meetings when needed. Overall I'm elated to have chosen to work with BDO.

S.L.

Sarnia

I would like to thank my Licensed Insolvency Trustee and the BDO team for supporting me when I was at my lowest. When I thought I had no hope, your team showed me possibilities, giving me hope. Overwhelming debt can place anyone in deepest despair. It's like drowning, but BDO services throws you a lifeline. I will forever be grateful for that lifeline! Thank you all again.

S.P.

North York

Recent Advice

Debt to Income Ratio Calculator

How do you know if you have too much debt? A simple metric for assessing debt is the debt to income ratio (DTI). A DTI of more than 40% is considered a threshold of too much debt.

Calculate

Canadians helped across Canada

We help Canadians find debt relief

With local offices across the country, we've been helping Canadians turn the page on debt since 1958.

Find your local office