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Start with the pressure you’re feeling. Find a clearer next step.

Repayment planning in Canada

Start with a clear picture of your balances, essential expenses and repayments.

Get help with repayments

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Editorial approval pending.

General information, not personal advice.

What to consider

Speak with your existing creditors early if payments are becoming difficult.

Who can help?

Your creditors or a credit counsellor. This describes a provider type, not a confirmed DebtHelpers partner.

Questions to ask

  • Which payments are due next?
  • What can I afford after essential expenses?

MAKE THE CONVERSATION COUNT

Three things to have handy

  • 1Balances and minimum payments
  • 2Income and essential monthly costs
  • 3The next payment dates

A preparation guide, not an application checklist. Keep documents with you; this form does not ask for uploads or account numbers.

Let’s focus on your next step.

Get your conversation guide: who to speak with, what to ask and what to have handy. No contact details needed to see it.

Get help with repayments

Check the source

FCAC: Paying back debt

This brief is a starting point. Rules, availability and individual circumstances may change the options. The source link is an editorial reference, not a paid referral.

Related options

Credit counselling

A counsellor can review your finances and explain debt-management choices.

Debt consolidation

Combine balances into a loan, line of credit or another suitable credit product.

Questions about your situation