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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

Get your conversation guide before sharing contact details.

  • Free to use
  • No credit check in this form
  • No obligation

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?

Your collections and repayment reading guide

Start here, then explore the specific questions that matter to your situation.

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