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Free — no account needed
This guide explains, in general terms, how Canada's insolvency system works and who is licensed to help. It is educational information — it does not tell you which option to choose, and it is not legal or financial advice.
Four quick questions. Your answers stay in your browser — nothing is sent or stored. At the end you get general information and, if you want, a filtered list of licensed insolvency trustees.
General information: a licensed insolvency trustee is the only professional authorized to administer every debt-relief option under the Bankruptcy and Insolvency Act, including consumer proposals. A first consultation with a trustee is free by regulation. This is general information, not advice about which option fits you.
The list is filtered only by the province, language and practice area you chose — the filters are exactly these, nothing hidden. Order is randomized on every view; no one pays to appear or to appear higher.
A licensed insolvency trustee (LIT) is the only professional licensed by the federal Office of the Superintendent of Bankruptcy to administer bankruptcies and consumer proposals under the Bankruptcy and Insolvency Act. Trustees are officers of the court with duties to both debtors and creditors, their fees for most consumer filings are set by federal tariff, and a first consultation is free by regulation.
Which route fits depends on your income, assets, debt mix and goals — facts a licensed professional reviews with you. This comparison is general information only.
1. Free consultation with a licensed insolvency trustee, who reviews your full financial picture. 2. The trustee explains every option — formal and informal — and its consequences. 3. If you file, the trustee handles creditor notices, the stay of proceedings takes effect, and required counselling sessions are scheduled. 4. You complete the proposal terms or bankruptcy duties. 5. Discharge or completion — the debts covered are legally released.
The Office of the Superintendent of Bankruptcy (OSB) licenses and supervises every trustee in Canada and operates the official trustee search. You can always verify a licence or find a trustee directly through the OSB:
OSB — Find a licensed insolvency trusteeThis entire section — the guide, the questionnaire, and the directory — is free and requires no account. No trustee pays to appear, and nothing here influences who you contact.