Verify the professional, not just a brand name
Read the key facts before you choose.
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Verify the professional, not just a brand name
Use the registry linked by the Office of the Superintendent of Bankruptcy to confirm the licensed individual or firm. Ask who would conduct your assessment and administer any file. A debt-help website, consultant or advertising brand should not be mistaken for the licensed professional merely because it discusses proposals.
Give the assessment a complete starting point
Read the key facts before you choose.
Read the full details
Give the assessment a complete starting point
Prepare a list of debts, income, essential expenses, assets and any collection action. Include debts you are unsure about rather than deciding in advance they do not matter. For example, joint borrowing and a personally guaranteed business obligation deserve specific questions. Share documents only through the professional’s verified secure process, not our initial enquiry.
What should you ask?
See what to have ready and what to ask.
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Ask for the reasoning behind the recommendation
Request a comparison of the options that apply to your situation. Ask what assumptions affect the payment, how fees are handled, what duties you would have and what happens if circumstances change. The point is not to memorize insolvency terminology; it is to understand the commitment before choosing it.
- Which alternatives did you consider, and why?
- Which debts and assets require special treatment?
- What happens if income or household circumstances change?
- What documents or actions would begin a formal proceeding?
Know what a referral enquiry does not do
Read the key facts before you choose.
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Know what a referral enquiry does not do
A DebtHelpers enquiry is not an LIT appointment, legal representation or a filed proposal. We do not set a proposal payment or promise creditor acceptance. The option finder does not book an appointment. If you need immediate professional assistance, seek direct help rather than waiting for a callback.
What to have ready
- The LIT name and verified registry record.
- A complete debt, asset and income summary.
- Questions about alternatives, costs and responsibilities.
- Any urgent deadline that cannot wait for a callback.
You do not need account numbers, your SIN, bank passwords, or files to start.
Is DebtHelpers a Licensed Insolvency Trustee?
No. DebtHelpers provides information and an enquiry route. A consumer proposal or bankruptcy assessment and administration must be handled by the appropriately licensed professional.