Answers

Tips, Tricks, Help & Relief Options

Dealing with debt often brings many questions, and you’re not alone in seeking answers. On this page, we’ve gathered the most common questions about debt in Canada based on the real-life experiences of people just like you. From understanding how debt affects your credit to exploring available relief options, these questions reflect many Canadians’ genuine concerns.

Financial Solutions for Canadians

We aim to provide clarity and reassurance, reminding you that you’re not alone. Many others are walking the same path, and together, we can navigate these financial challenges to find a way forward.

Have a question you’d like to ask? Want to ask it anonymously? Ask any question about debt anonymously, and we’ll get back to you as soon as possible with an answer. Ask a debt question.


How long do collections stay on your credit report?

How long do collections stay on your credit report?

credit rebuilding
Discover how long collections stay on your credit report and their impact on your credit score. Learn how to manage unpaid debts effectively—read now!
How to remove collections from credit report Canada?

How to remove collections from credit report Canada?

consumer proposal
Discover how to remove collections from your credit report in Canada! Learn effective strategies, including disputes and negotiation tips. Read now!
Does OSAP affect credit score? DEBT INSIDERS

Does OSAP affect credit score?

credit rebuilding
How do OSAP loans impact your credit score in Canada? Learn the benefits of timely repayments and the risks of defaulting. Read now to protect your future!
Is Debt Advice Canada legit? DEBT INSIDERS

Is Debt Advice Canada legit?

consumer proposal
Wondering if Debt Advice Canada is legit? Discover key tips on verifying their credibility and ties to a Licensed Insolvency Trustee. Learn more now!
How much to offer debt settlement? DEBT INSIDERS

How much to offer debt settlement?

debt settlement
Looking to negotiate a debt settlement? Discover how much to offer and tips for making a successful negotiation offer. Start your journey to financial freedom!
Is Kingston Data and Credit legit? DEBT INSIDERS

Is Kingston Data and Credit legit?

debt settlement
Discover the truth about Kingston Data and Credit, a debt collection agency in Canada. Are the consumer complaints justified? Learn more before you call back!
What is a licensed insolvency trustee? DEBT INSIDERS

What is a licensed insolvency trustee?

debt management plan
Discover how a Licensed Insolvency Trustee can be your financial lifeguard in debt relief. Learn about their vital role in managing your bankruptcy. Read now!
Can debt collectors call your work? DEBT INSIDERS

Can debt collectors call your work?

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Discover if debt collectors can call your workplace and what your rights are. Learn more about privacy protections and how to handle unwanted calls!
Can credit counseling stop wage garnishment? DEBT INSIDERS

Can credit counseling stop wage garnishment?

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Hit with wage garnishment? Learn how credit counseling can guide you and discover when options like consumer proposals or bankruptcy are options. Get help!
How to get a credit counselling summary? DEBT INSIDERS

How to get a credit counselling summary?

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Looking for a credit counselling summary? Discover how to gain control over your finances with expert help. Learn more about effective financial planning today!