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Explore our debt relief solutions 

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Debt Counselling

We provide budgeting advice, credit counseling and explain all your debt management options.

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Giving Advice

Consumer Proposal

Filing a consumer proposal can significantly lower your monthly payments and allow you to become debt-free.

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Giving Advice

Bankruptcy

Sometimes personal bankruptcy is the best solution for finding immediate relief from unmanageable debt.  

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Debt Repayment Options Calculator

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From repaying debt on your own to filing a consumer proposal, your monthly payment can vary widely. Find out how much you can expect to pay.  

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Credit Card Debt

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Tax Debt

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Student Debt

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Payday Loans

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Mortgage or Car Loan Debt

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Bank Loans and Lines of Credit

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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 experience with BDO.

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Edward Hisey

Toronto

Cras convallis tortor justo, at dapibus orci pharetra nec. Praesent rhoncus lectus at tempor finibus. Morbi pretium aliquet magna, ac mattis lorem semper iaculis. In at est eget nisi tempus commodo. În pharetra enim ac nisl porta, id ultricies elit porttitor. In imperdiet dignissim egestas.

Edward Hisey

Toronto

I originally spoke with BDO to see what my options were as at the time I lost about 40% of my income and still had a lot of outstanding debt. I was not delinquent at the time but without doing something quickly I would have been. My BDO Licensed Insolvency Trustee explained to me my options and within one week we filed a consumer proposal. At this point, I thought everything was too good to be true, but in fact I had all my unsecured debt reduced to 60 per cent of my original amount owing. And that's not even the best part. I now have five years interest free to pay it off with equal weekly payments! I would highly recommend anyone who is struggling with debt to not hesitate and call right away to discuss your options. There are options for everyone.

B.M.

Oakville

I have learned a lot about expenses. What I truly need and wanted and how I used my income was an eye opener to the unhealthy ways I was using money leading to my bankruptcy. 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

St. John's

I have learned a lot about expenses. What I truly need and wanted and how I used my income was an eye opener to the unhealthy ways I was using money leading to my bankruptcy. 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

St. John's

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 am truly grateful to BDO Debt Solutions for helping me to fix my debt problems. I will admit I did not know what to do until I contacted BDO. They took the time to thoroughly explain everything to me and gave me hope for a better tomorrow because I thought I would never be out of debt. They were so patient with all my questions and prompt to reply to all my inquiries. They also followed up with me and always explained everything to me in full detail. I feel like I will never be able to say thank you enough for all the guidance, help and new information I learned to not only become debt free but to also the new tools to avoid debt problems from ever happening again. I would not trust anyone else to help me and the kindness and professionalism speaks for itself with this amazing company. I highly recommended BDO to everyone because I feel that they are the best at what they do and because of how hard they worked to help me with my complex case. Thank you once again BDO Debt Solutions for all you do and all your vast knowledge in helping to prepare me for a better future ahead!

Amitpal

Montreal

I wanted to tell you how this Proposal impacted my life. Even though my credit is low for a while, I feel great. I got a secured credit card this summer and have been using it and paying it. TransUnion credit score is up to 623 (it was in the 400s). Equifax is still in the 400s, but is slowing improving. I also have managed to save $30,000!!!! I have a plan to get a house in two and a half years. Thank you for everything you have done for me. I know I’m just a client but your work, kind words and sympathy saved me.

Lori

Ottawa

My husband and I, after some bad luck, had to declare bankruptcy. As this is probably one of the hardest things to go through, having pleasant and helpful people to guide you is paramount. BDO was there for me every step of the way. They are very knowledgeable and professional, while still being empathetic. The Administrator I worked with replied to my questions, either by phone or email, extremely quickly and clearly. Having her to communicate with through all this was very comforting for me. My husband and I would like to thank BDO Debt Solutions for getting us through this time in our lives.

C.T.

Sudbury

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George Clooney

Cornwall

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George Clooney

Cornwall

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Edward Norton

Orangeville

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Edward Norton

Orangeville

Je tiens à vous dire un énorme merci ! Merci d'être venue aujourd'hui pour appuyer mon dossier. J'étais très émue de vous voir témoigner concernant mon dossier! C'était vraiment apprécié! Je recommande BDO à tous les gens que je connais! Vous êtes une équipe incroyable, professionnelle et très attentionnée! Merci infiniment encore pour tout!

J.C., Québec

Rimouski

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

Thank you very much. I know you are just doing your job but I feel like you saved my life. I was miserable and just sinking further. You took me out of that. You are like a super hero. I hope you continue making people this happy.

Anonymous

Corner Brook

Over the years I dealt with BDO, I found them to be very understanding when personal affairs came up, very patient, great to work with. They gave me all the possible assistance and resources required to push through such a difficult time. Special thanks to the St. John's NL team for great personal and professional service. I would definitely recommend this group to handle and navigate your insolvency or proposal requirements.

R.W.

St. John's

The work on my file was performed admirably by my Administrator. Any issue was handled with efficiency and expediency, consequently I was grateful that whenever any issue arose I had no worries. However, I remain most grateful for the respectful communication. I had the unfortunate experience of being treated negatively by several agencies due to my status of undergoing bankruptcy. This is harmful and damaging to someone already undergoing great distress and loss. And so, for me the respect that every person is rightfully due was gratefully and noticeably appreciated. 

J. M.

Halifax

Going through something like filing bankruptcy can be scary, humiliating and so overwhelming, but BDO set our minds at ease. The team explained everything in detail and ensured we were aware of all potential options. When it came time to proceed, they helped us make an informed decision, answered all our questions, ensured we were 100% comfortable with our decision and all potential outcomes before proceeding with filing.

M.G.

St. John's

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 received my discharge certificate today. What a liberating feeling. I have been struggling with my finances for over a decade and I finally see the light at the end of the tunnel. I still have a long hard hill to climb to rebuild and repair the damage that has been done. But I am ready and prepared to take all the steps necessary. I wanted to reach out and say thank you, and not just a thank you for doing your job, but a heartfelt thank you. This is one of the hardest things I have had to do; it took a massive hit to my pride and I felt like a failure. You were always so kind and supportive, as well as firm when need be! It was an absolute pleasure to work with you. I suppose in your profession a success is not to have repeat customers (lol) and I intend to be one of those successes. Thank you again from the bottom of my heart and I wish you nothing but the best in life.

Anonymous

Ottawa

Cras convallis tortor justo, at dapibus orci pharetra nec. Praesent rhoncus lectus at tempor finibus. Morbi pretium aliquet magna, ac mattis lorem semper iaculis. In at est eget nisi tempus commodo. În pharetra enim ac nisl porta, id ultricies elit porttitor. In imperdiet dignissim egestas.

Edward Hisey, Québec

Toronto

I would like to say that BDO Debt Solutions provided excellent service in helping me with my debt problems. I slipped into debt with several life issues such as diagnosis of a terminal cancer, a breakdown of a 25-year relationship and depression. I reached out to BDO Debt Solutions and they took care of everything, explaining the entire process in straightforward terms that I understood and immediately they gained my trust. They didn't sugar coat anything either, which I appreciated. Thank you!

B.H.

North York

I am so happy that I contacted BDO in regards to my overwhelming debt. Certain life situations caused unexpected debt years back. As hard as I tried I could never seem to get on top of the outstanding debt. After discussions with BDO, they showed me that a bankruptcy was my best option and that there could be light at the end of the tunnel. I am so grateful to the BDO team for helping me through this difficult time. I now have a fresh start and a new vision for my future.

Michael

Regina

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