Understanding debt

Basics of debts, types of debt and impacts on your future.

Paying back your debt

Strategies to pay back your debt and how to work with your creditors.

Limiting future debt

Strategies to help limit future debt including reducing expenses, setting financial goals and leveraging benefits.

Dealing with a debt collector

Dealing with a debt collector, your rights and how to pay back your debt.

Managing your money in challenging times

What to do if you have financial difficulties.

Managing your money when interest rates rise

How your loan payments may increase if interest rates rise.

Choosing a financial advisor

Finding a financial advisor, how advisors are paid and checking if they are registered.

Getting help from a credit counsellor

Finding a reputable agency, debt management plans and comparing options to repay debt.

Using a debt settlement company

Things to consider before you sign up with a debt settlement company.

Debt consolidation

Things to consider before consolidating your debts.

Consumer proposals

How to make a formal offer to creditors to settle debts under conditions other than the original terms.

Filing for bankruptcy

An overview of the bankruptcy process that helps individuals who are unable to pay their debts.

Making a budget

Tips to make and stick to a personal budget.

Budget Planner

Create your budget and receive personalized tips to improve your finances.

Financial Goal Calculator

Calculate how to pay down your debt and reach your savings goals.