Your Debt Concerns Are Valid • Connect With a Licensed Debt Expert • Friendly Help Without Judgement
Trustee Directory
Book a Free Consultation →
Your Debt Concerns Are Valid

Connect With a Licensed Debt Expert — Friendly Help Without Judgement

Book a Free Consultation →

100% Confidential & Federally Regulated under the BIA.

Federally Licensed Trustee Network

Find Local Bankruptcy Help
& Licensed Insolvency Trustees

Search our interactive map below or select your province to connect with federally accredited Licensed Insolvency Trustees (LITs) near you for free, confidential debt relief.

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Find a Trustee Office Near You

Enter your postal code or city to find the nearest Licensed Insolvency Trustee location:

      Or Browse By Province & Major Metropolitan Areas

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      Run Your Debt Numbers Before Your Consultation

      Use our free interactive utilities to evaluate your options confidentially:

      Consumer Proposal Savings Calculator → Surplus Income Estimator → Wage Garnishment Checker →

      Why You Must Work With a Licensed Insolvency Trustee

      In Canada, many unregulated "debt settlement" agencies charge high upfront fees for unofficial plans that offer zero legal protection. Under federal law, a Licensed Insolvency Trustee (LIT) is the only professional legally authorized to administer Consumer Proposals and Personal Bankruptcies under the Bankruptcy and Insolvency Act (BIA).

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      Immediate Legal Protection

      Filing through an LIT imposes a statutory Stay of Proceedings that legally forces creditors, collection agencies, and the CRA to stop wage garnishments, lawsuits, and phone calls instantly.

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      Federally Regulated Fees

      Trustee fees are regulated by the federal government and built directly into your single monthly payment. You never pay upfront or out-of-pocket setup fees for initial consultations.

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      100% Confidential & Flexible

      Complete your debt evaluation, document execution, and mandatory financial counselling in-person at a local office or 100% remotely from home via phone or video.

      What Happens During Your Free Debt Consultation?

      When you schedule a free consultation with a local Licensed Insolvency Trustee, you can expect a simple 3-step evaluation:

      1

      Review Household Budget & Debts

      Your trustee reviews your total unsecured debt (credit cards, lines of credit, tax debt) alongside your income and living expenses.

      2

      Evaluate Asset Exemptions

      Your LIT explains provincial property exemption limits to ensure your home equity, car, and RRSPs are fully protected.

      3

      Compare All Relief Options

      You receive a clear breakdown comparing Consumer Proposals, Personal Bankruptcy, Debt Consolidation, and Credit Counselling.

      Frequently Asked Questions

      A Licensed Insolvency Trustee (LIT) is an officer of the court licensed and regulated by the Office of the Superintendent of Bankruptcy (OSB). They are the only debt professionals in Canada legally authorized to administer Consumer Proposals and Personal Bankruptcies.

      No. Initial consultations booked through BankruptcyCanada are 100% free and confidential. Trustee administration fees are regulated by federal tariff guidelines and paid directly from your proposal or bankruptcy monthly payments.

      No. Under official OSB directives, Canadians can complete their free debt evaluation, application signing, and mandatory financial counselling sessions entirely online or over the phone from home.