Personal Debt Solutions
Get Debt Help
Take Control of Your Personal Debt — and Your Future
For over 50 years, Crowe MacKay & Company has helped individuals regain control of their finances with clear, honest guidance — even when the truth is harsh to hear.
We understand how stressful and isolating it can feel to be in debt. Our Licensed Insolvency Trustees approach every situation with compassion and without judgment, taking the time to listen and understand your unique challenges.
When you work with us, you’ll receive personalized, practical solutions — not one-size-fits-all advice. We're here to help you confidently move forward and rebuild a stable financial future.
We understand how stressful and isolating it can feel to be in debt. Our Licensed Insolvency Trustees approach every situation with compassion and without judgment, taking the time to listen and understand your unique challenges.
When you work with us, you’ll receive personalized, practical solutions — not one-size-fits-all advice. We're here to help you confidently move forward and rebuild a stable financial future.
Do You Need Help Managing Personal Debt?
If you're unsure whether it's time to seek help, ask yourself the following questions:
- Are you struggling to pay bills on time?
- Are you only making minimum payments (or missing payments) on your credit cards?
- Do you regularly go over your credit limit, overdraft, or line of credit?
- Have you missed a mortgage or loan payment recently?
- Are collection agencies or creditors contacting you for payment?
- Is your financial situation causing stress, anxiety, or sleepless nights?
If you answered yes to one or more of these, it might be time to speak with a Licensed Insolvency Trustee.
Personal Debt Services
Understanding Your Debt Relief Options
Understanding Your Debt Relief Options
Bankruptcy
If you're unable to repay your debts through a proposal, bankruptcy may be the right step.
✔ Provides legal protection from creditors
✔ Erases most unsecured debts
✔ Requires surrendering certain assets
For individuals with debts over $1,000, where liabilities exceed assets.
FAQ's
What Are My Options if I’m Struggling With Debt in Canada?
If you’re struggling with debt, there are several debt relief options in Canada, including consumer proposals, bankruptcy alternatives, and structured debt management plans. The right solution depends on your situation. Getting professional debt help ensures you choose the best path to reduce stress, manage repayments, and become debt-free.
How Do I Know if I Need Professional Help With My Debt?
If you’re overwhelmed by debt, missing payments, or relying on credit to get by, it may be time to seek debt help. Professional debt help services can assess your situation and recommend the right solution.
Will My Creditors Stop Calling Me if I Seek Debt Help?
Yes, once you enter a formal debt relief program in Canada, such as a consumer proposal or bankruptcy, creditor actions typically stop. This includes collection calls and legal action.
What Debts Cannot Be Included in a Debt Relief Solution?
While many debts can be included in a debt relief program, some exceptions apply. Certain obligations, like recent student loan debt, court fines, and specific support payments, may not qualify. Speaking with a professional offering debt help in Canada ensures you understand what can and cannot be included.
Can I Stop Wage Garnishment Through a Debt Solution?
Yes, entering a formal debt relief solution in Canada can stop wage garnishment. These legal protections prevent creditors from continuing collection actions.
How Quickly Can I Get Relief From Creditor Pressure?
Relief can often begin immediately. In Canada, legal protection from creditors can take effect quickly, stopping calls and collection efforts. Acting early and getting debt help ensures faster relief and a clearer path toward becoming debt-free.
Can I Rebuild My Credit After Resolving My Debt?
Yes, rebuilding your credit is possible after completing a debt relief program. With the right approach, such as responsible credit use and consistent payments, you can improve your score over time. Many people who seek debt help in Canada go on to achieve strong financial stability and better credit habits.
You Deserve a Fresh Start — Let’s Make It Happen
Do you have questions about personal debt solutions in Vancouver and Surrey? Call (604) 689 3928, email us at [email protected], or fill out the form below to book a free consultation.
Book a Free Consultation
Our licensed experts are here to answer all your questions about bankruptcy and consumer proposals. Whether you're an individual or a business, we’ll help you understand your options and guide you through every step of the process with care and confidence.