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We can help you explore all debt solutions

At BDO we're committed to helping you find the right debt solution. Book your free initial consultation and we'll provide an overall assessment of your financial situation and explain all your available debt solutions.

Sometimes all you need is debt counselling or help building a budget. Other times you may need more immediate debt relief in the form of consolidation or debt forgiveness. Everyone's circumstances are different, but no matter what your financial situation, our team of debt professionals and Licensed Insolvency Trustees (LIT) can help guide and support you so that you can confidently find the best path forward. 

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Let's put an end to your debt stress!

We'll assess your finances and have a practical, judgement-free conversation about all your available options so you can regain control of your finances and have a better night's rest!


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Our debt solutions

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Debt counselling

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

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Consumer proposal

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

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

More on bankruptcy

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.

Anyone going through rough times due to inflation, health reasons, loss of job or anything like the saying "robbing Peter to pay Paul" should realize these are hard times and your financial situation is typical of many Canadians these days. A free consultation with BDO will be really helpful. There is no judgment, only honest people there to listen and help. Life is life and things happen. Yvette Power helped us choose the right option for us. I can honestly spend less time worrying about how we will meet our daily/monthly obligations. Thank you, Yvette!



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


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.



Approaching debt is a stressful venture and for a first time debtor like myself it can be quite intimidating. I am so grateful and pleased that I contacted Micheal Comrie and his team at BDO. They made the process of handling my debt a far less stressful procedure, and they answered all my (many) questions along the way with quickness and friendliness. Joe Bette, the credit councillor, was very informative and friendly to deal with as well. I am so very impressed with the entire team at BDO and if you have any issue with debt at all, I highly recommend giving this team a call.



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

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.



Being an immigrant is hard, to start your life and career has been a struggle. For years I've been drowning in debts and been trying to stabilize my finances. I was afraid in the beginning but with the help of my agent Michael Comrie, he gave me hope. He talked with lots of knowledge and confidence that made me feel I was doing the right thing. I should've done it before, probably I'm more financially independent by now. No more heavy monthly payments. I get to experience my paycheck without the burden of putting all of my hard earned money to my debt. Thanks Mike for helping me free myself of all my stress.


North York

My Licensed Insolvency Trustee and 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.



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.


Why our clients choose BDO?

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Judgement-free advice

Talking about debt can be intimidating, so we ensure you feel supported every step of the way.

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Solutions tailored for you

We take the time to explore all debt relief options, so you can choose the best one for you.

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Helping Canadians since 1958

With 120+ offices and 60+ years of experience, we're ready to help in your local community.

Canadians helped across Canada

We'll find solutions to your debt problems

Talking about money can be uncomfortable & intimidating, which is often enough to prevent you from getting the help you need.

At BDO, we believe that judgement-free, compassionate support goes a long way to making that first step just a little bit easier. We know that debt problems can happen to anyone and there's no shame in seeking help.

Find your local office