Is the initial debt evaluation completely free and confidential?

Yes. Your initial consultation with a Licensed Insolvency Trustee (LIT) is 100% free, confidential, and carries zero obligation. All personal information submitted is strictly protected under Canadian PIPEDA privacy laws.

Who will I speak with during my free debt evaluation?

You will connect with an accredited Licensed Insolvency Trustee (LIT) or an authorized debt specialist operating under LIT supervision. LITs are the only debt professionals federally licensed by the Office of the Superintendent of Bankruptcy (OSB) in Canada.

What information should I prepare for my consultation?

To get the most out of your evaluation, bring an overview of your total unsecured debt (credit cards, loans, CRA tax arrears), approximate monthly net income, living expenses, and major assets like property or vehicles.

Will requesting a free evaluation impact my credit score?

No. Requesting a free evaluation or speaking with a trustee is purely informational and has zero impact on your credit score or credit file.

Home » Free Confidential Evaluation

100% Free & Confidential

Get Your Free Debt Evaluation

Speak directly with an accredited Licensed Insolvency Trustee (LIT). Review all your options, stop collection calls, and start fresh under federal protection.

Government-Licensed Debt Protection

Free & Confidential Debt Evaluation

Complete the form below to connect directly with an OSB-registered Licensed Insolvency Trustee. Review your debt relief options with zero pressure or obligation.

100% Free Evaluation
Strictly Confidential
No Obligation

Request Your Consultation

Fill out the quick secure form below to connect with a local trustee in your province.

Your details are strictly protected under Canadian PIPEDA Privacy Laws and will never be shared or sold.

Frequently Asked Questions

Is the consultation really 100% free?

Yes. Initial consultations with our listed Licensed Insolvency Trustees are entirely free of charge and carry no obligation whatsoever.

Will my employer or family find out?

No. All discussions with a trustee are strictly confidential. Employers are only notified if a formal wage garnishment needs to be legally halted under federal protection.

Do I have to visit an office in person?

Not at all. Under OSB guidelines, your entire evaluation, document signing, and mandatory financial counselling sessions can be completed safely and securely over the phone or online from home.