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What you get

Licensed Insolvency Trustees are federally regulated professionals who help people with serious debt. They are the only ones allowed to arrange a consumer proposal (an offer to pay creditors part of what you owe, over up to five years) or a bankruptcy. The government says they typically do not charge for the first consultation. Find one near you with the official search.

Who qualifies:

  • Anyone in Canada with serious debt problems
  • A consumer proposal: debts up to $250,000

What you need to apply:

  • A list of your debts, income and costs

For people who truly cannot pay their debts. A free non-profit credit counsellor can help you decide first.

Referral in Canada-wide.

Debt helpMoney, grants & charityLegal help

Details

How to reach them

  1. Find a trustee near you.
  2. Tell them what you need.
  3. Come back here and tell us if they answered.

Where else they are

Their website is ised-isde.canada.ca/site/office-superintend....

Good to know

  • For whomPeople whose debts have become too much to repay.
  • CostFirst consultation usually free
  • LanguagesEnglish, French
  • Their stepsSearch the official list for a trustee near you. Book the first meeting, which is usually free. Ask what each option would cost you before you decide.

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Talk to a person: call 2-1-1, any time

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We read this on their own website on October 6, 2026. Read from: ised-isde.canada.ca/site/office-super..., ised-isde.canada.ca/site/office-super..., ised-isde.canada.ca/site/office-super....

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