Canada · no upload · free

What kind of debt notice did you receive?

A collection letter, CRA notice, court paper, payroll deduction, and bank freeze can look similar while requiring completely different next steps. Identify the path first.

No upload required

Identify the notice before you act

Use the sender, wording, and deadline—not the appearance of the letter—to choose the next safe check. We do not read or store your document.

Who sent it or caused the problem?
Does it give a deadline?
Court/file reference?

Protect your timeline

Record the dates

Keep the envelope, notice date, response deadline, file number, and the name of the issuing organization together.

Keep privacy intact

Do not upload the notice

You can classify the event from its visible characteristics. Redact or protect personal numbers when asking for help elsewhere.

Choose the right tool

Calculate only after classifying

If money is already coming off an Ontario paycheque, use the wage deduction screening tool after identifying the mechanism.

The Weekly Debt Brief

Every Monday: one rate or law update, one rights tip, one free tool — from OSB data and provincial bulletins. 15 seconds to read. Join 4,800+ Canadians getting it.

By subscribing, you agree to our Privacy Policy. We respect your inbox.