DebtNorth
Free Debt Relief Assessment Tool for Canadians
Compare the questions that matter across consumer proposals, bankruptcy, consolidation, and do-it-yourself options. Answer 10 simple questions and get a planning summary instantly.
Use the assessment to organize your income, assets, debts, creditor pressure, and province. It provides a starting point for research and a conversation with a qualified adviser; it does not approve a filing, predict savings, or replace professional advice.
Your Fresh Start Bundle
Keep Your Home, Eliminate the Harassment
This is a planning signal based on your answers, not a qualification or savings decision. Review the assumptions and confirm the next step with a qualified adviser.
Your Situation Summary
Optional Next Step
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Your Financial Freedom Journey
Follow these steps to transform your finances
Why This Solution Fits Your Situation
What If I Do Nothing?
The consequences of waiting depend on the debt, notices, security, province, and creditor action. Identify the event and get advice before assuming a filing or other option will change it.
Compare Your Options
| Factor | Consumer Proposal | Bankruptcy |
|---|---|---|
| Debt Reduction | File-specific offer | File-specific process |
| Home Equity | Review equity and secured debt | Review provincial rules and equity |
| Monthly Cost | Not estimated | File-specific costs and obligations |
| Timeline | Terms vary; maximum terms are governed by law | Depends on the file and circumstances |
| Credit Rating | Credit impact and reporting are file- and bureau-specific | Credit impact and reporting are file- and bureau-specific |
Results are informational. No savings, approval, or asset outcome is promised.
Common Questions About Your Results
Ready to Start Your Journey?
Take the first step today—most Canadians feel relief within 24 hours of booking their consultation.
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Read: Consumer Proposal Complete Guide →How the Debt Assessment Works
Our assessment organizes your debt, assets, income, creditor pressure, credit score, and province so you can compare possible next steps.
Take the 10-Question Assessment
Answer simple questions about your debt, income, and goals. No math required—we calculate everything for you.
Get Your Personalized Package
See the assumptions, trade-offs, questions, and next steps connected to your answers.
Follow Your Custom Action Plan
Each step includes specific providers to contact, exactly what to say, and what to expect. Track your progress to freedom.
"The assessment helped me organize my debts and the questions I needed to bring to a professional."
Why Trust DebtNorth?
Takes 2 minutes • No credit check • Instant results