With so many debt relief solutions out there, which one is the right one for you? If you need help with your debts, choose a Licensed Insolvency Trustee.

A trustee is tasked with giving you the best possible financial advice that allows you to alleviate your debts. But they must also strike a balance between you and your creditors by protecting the rights of both parties.

Under the Bankruptcy and Insolvency Act, only a Licensed Insolvency Trustee can manage a consumer proposal or bankruptcy for you.

Similarly, only a trustee can obtain a Stay of Proceedings to stop collection calls, wage garnishments and other legal action.

All trustees are licensed by the government Office of the Superintendent of Bankruptcy (OSB).

Let’s get started.

Arrange a consultation with a Licensed Insolvency Trustee

The first step on your debt relief journey is to arrange a free consultation with a Licensed Insolvency Trustee (formerly a bankruptcy trustee).

They’ll carry out an assessment to review your situation when you meet.

Feel free to conduct some personal research before you meet and note any questions you want to ask.

Your trustee will ask you some questions, which you should answer honestly and provide any additional requested information.

After you’ve provided some information, the trustee will advise on a recommended course of action.

You may be suitable for various solutions such as debt consolidation, a consumer proposal or even bankruptcy.

All advice is impartial, and there is no pressure to proceed. You should feel comfortable talking to your trustee and be assured that you will receive the correct advice.

Take the time to consider the solution your trustee has recommended and compare it with other debt solutions to decide whether this option is right for you.

Licensed Insolvency Trustees have the knowledge, experience and skills to work through your specific problem. They can answer any questions and explain the various options to you.

Get started: connect with an experienced Licensed Insolvency Trustee for a free consultation.

Get started

Choose a Licensed Insolvency Trustee

When you meet a Licensed Insolvency Trustee, you should feel assured that this person can help you overcome your debt problems.

You should expect a certain standard from a trustee, just like any debt relief service.

Things to consider:

  • The initial consultation should be free.
  • Your trustee should respond to your inquiry promptly.
  • If you are in danger of wage garnishments, the trustee should prioritize your consultation.
  • You should feel valued by your trustee, and they should be responsive to your worries.
  • Your trustee should answer all your questions thoroughly and put your mind at ease.
  • Each debt relief solution should be explained to you in detail.

A Licensed Insolvency Trustee will carry out the following tasks:

Don’t pay for debt advice or a referral to a trustee

Be aware that some debt settlement companies charge a large upfront fee for referring you to a Licensed Insolvency Trustee.

You don’t need to pay to speak to a Licensed Insolvency Trustee or for someone to prepare your documents for a consumer proposal.


Choose a Licensed Insolvency Trustee as a starting point when facing debt problems.

You can rest assured that a trustee has the knowledge, experience and skills to resolve your debt issues.

The next step is to connect with a trusted and experienced Licensed Insolvency in your area.

Get debt relief

Free consultation with a Licensed Insolvency Trustee by video, phone or in person.

  • Experienced trustees
  • Local offices
  • Personalized plan
  • No fees
Get started

It only takes 30 seconds.

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