Wage protection is not the same as a debt write-off
Start with the bill that is hard to pay.
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Wage protection is not the same as a debt write-off
Ontario’s Wages Act sets a general 80% wage exemption from seizure or garnishment, with different treatment for support and the possibility of a judge changing the exemption. Do not apply a generic calculator to every debt or income source. Bring the order, creditor type and income details to a qualified adviser.
Is it allowed where you live?
Check the rules and licence where you live.
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Check Ontario payday-lender licensing
Ontario payday lenders and brokers must be licensed. Check the current provincial rules and the actual agreement before borrowing; a licensed lender is not a guarantee that a loan is affordable. Refinancing a short-term balance is a different question from resolving existing payment trouble.
What should you ask?
See what to have ready and what to ask.
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Before choosing help in Ontario
Separate an urgent court deadline from a general request for repayment guidance. Bring the original notice and agreement, not just a monthly balance. Ask which rules apply to your creditor and whether the professional can advise on the specific procedure involved.
What to have ready
- List creditors and whether each debt is secured.
- Keep any court or collection notices and their deadlines.
- Prepare income, essential expenses and current payment commitments.
- Ask who is qualified to advise on the specific procedure.
You do not need account numbers, your SIN, bank passwords, or files to start.
Does completing this form stop collection or apply for a public program?
No. This form does not suspend deadlines, establish legal representation or register you for a public program. Contact the appropriate authority directly for urgent procedural questions.