For anyone who owes more than they can pay: credit cards, bills, loans or taxes.
Free, non-profit credit counselling: a counsellor looks at what you owe and helps you make a plan. Nothing here is a loan.
We found 2. Places people say worked move up.
Send to someone who needs thisYou likely qualify if: Own property in Toronto; Cannot pay tax due to poverty or sickness.
Free. Never pay anyone to apply.
ApplySend to someone who needs thisChecked on October 6, 2026
You likely qualify if: Anyone in Canada with serious debt problems; A consumer proposal: debts up to $250,000.
Free. Never pay anyone to apply.
Open the official pageSend to someone who needs thisChecked on October 6, 2026
Not on this list? Call 2-1-1 or text 2-1-1, any time, in more than 150 languages. It is free, and real people answer. 211ontario.ca
These do not give the help themselves. They help you find it or understand it. All guides and tools
Everything above is from their own websites, with the date we read each one. After you try one, tap It worked or No answer on its card. That is how this stays true for the next person.
For an AI assistant: llms.txt. How to read this site.