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Find the right debt solution

We can help you explore all your options

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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Consumer proposal

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

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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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What type of debt do you need help with?

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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.

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.


St. John's

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!



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.


Corner Brook

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.



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!


North York

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.



I can't believe it's been five years that our financial relationship was established to consolidate my debt. Upon meeting you for the first time, your warm smile and professionalism made me feel extremely comfortable, and I knew I was in good hands. Finances can be so emotional, and at times embarrassing, and I want to thank you for making this more personal for me, as to not feel that way. I would not hesitate in referring you and I want to thank you for going the extra mile for me. It meant so much!



I would like to thank the team at BDO! I'm not sure what I would have done without their help. My debt was out of control. Making interest payments was getting hard to do. My BDO Licensed Insolvency Trustee is very smart and knew what to do to help with my situation. The BDO team was also very helpful and always had an answer to my questions. Things are now getting better. Thank you BDO!



You're really good at your job and taught me valuable lessons, mainly to only use my credit card to build credit. You helped fix my life and my credit card debt, which caused a lot of stress, anxiety and depression.



After completing post secondary school I had high amounts of student debt and consumer debts that required high monthly payments. After having children the added costs of childcare and children’s needs resulted in my budget becoming overextended. Financial stress became too high of a burden so I made the tough decision to seek debt solutions. BDO staff were supportive throughout the process and provided step by step practical guidance along the way. At first I was very hesitant but in time I realized that not only was this the right solution, but that it would have been better if I had sought debt solutions three to five years earlier to prevent long term experiences of financial strain. Debt solutions really are just that “solutions” and the BDO team are experts in this area and are eager to roll out a workable plan to get you out of debt.


St. John's

I just wanted to thank you for everything you worked on for us both. We really do appreciate all your help. It feels great to be debt free again.



I’m very happy that I chose BDO to help me get through this hard time. I greatly appreciate everything you’re doing and have already done. Thanks a million.


Corner Brook

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

From consultation to resolution, my BDO Licensed Insolvency Trustee was supportive, informative and highly professional. I felt heard and understood with no judgment. Dealing with debt is very stressful. She helped me remain calm and guided me through the process while being available to answer all of my questions. To anyone struggling with debt, I would recommend reaching out to BDO. They will be there for you every step of the way. 



BDO guided me through a difficult time in my life, step by step, with all of the information I needed to make informed decisions about my financial situation. Bankruptcy is a stressful experience, but BDO provided the information I needed to get things back on track, answering all my questions along the way. I’m in a much better financial situation now and have learned new skills to better manage my money.



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.



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.


North York

Everything changed the day after I input my information into BDO’s confidential portal. I had no idea this help was available. That lack of knowledge and of course humiliation kept me suffering in the blackest of places. You do not need to be there. They can and will help. After consultations and advice, my garnishee and issues were very quickly dealt with by the kindest souls. Caring individuals that showed me there was light. Thank you is not enough for the opportunity they gave me to learn, and to rebuild myself. I am beyond grateful. Don't hide. Get the help these people are trained and happy to offer. Life can be better. Thank you BDO. You gave me something I haven't known in a while. Pride.



I want to take this opportunity to thank BDO for helping to pull me out of a desperate situation and bring me back into alignment with my financial matters. I have learned a lot from this experience and appreciate your compassion and support.



Life often takes us on many unexpected ups and downs. Being self-employed has so many benefits and rewards, but when you get injured there's no one to do your work for you. Most of us live above our means and rely heavily on every paycheque. Disability only covers a fraction of your income, and things can feel hopeless in a hurry. It can feel embarrassing to admit you need help. The sooner you leave your pride at the door and reach out to BDO, the sooner you get your life back.


St. John's

The worry of finances can put unnecessary stress on your health, your marriage, your family and your self-worth. BDO can help you get your life back with one of many options.


St. John's

Don't sacrifice what really matters in life by letting debt take you prisoner. The call to BDO was the best call I ever made and it has added years to my life. Our trustee is a true professional and understands how to make this process as stress free as possible. Hindsight may be 20/20 but I truly wish I had called her a year before I finally did, so don't make the same mistake.


St. John's

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