Canada's consumer debt rules split across federal law (bankruptcy and insolvency, criminal interest rate) and provincial law (consumer protection, collection agencies, garnishment rules). Which provincial rules apply depends on where you live, not where your creditor is based.
Debt help by province and territory
What's here
Debt rules, collection regulations, Licensed Insolvency Trustee coverage, and non-profit credit counselling for every Canadian province and territory. Each page is independent; start with yours.
Alberta
Provincial consumer protection, LIT options, credit counselling non-profits.
British Columbia
Provincial consumer protection, LIT options, credit counselling non-profits.
Manitoba
Provincial consumer protection, LIT options, credit counselling non-profits.
New Brunswick
Provincial consumer protection, LIT options, credit counselling non-profits.
Newfoundland and Labrador
Provincial consumer protection, LIT options, credit counselling non-profits.
Nova Scotia
Provincial consumer protection, LIT options, credit counselling non-profits.
Ontario
Provincial consumer protection, LIT options, credit counselling non-profits.
Prince Edward Island
Provincial consumer protection, LIT options, credit counselling non-profits.
Quebec
Provincial consumer protection, LIT options, credit counselling non-profits.
Saskatchewan
Provincial consumer protection, LIT options, credit counselling non-profits.
Yukon
Provincial consumer protection, LIT options, credit counselling non-profits.
Northwest Territories
Provincial consumer protection, LIT options, credit counselling non-profits.
Nunavut
Provincial consumer protection, LIT options, credit counselling non-profits.
This page is educational. It is not financial, legal, or tax advice. Interest calculations use standard amortization math at a sample APR; your actual rates, fees, and terms will vary. Figures are illustrative, not a quote. Talk to a qualified professional before making decisions about debt, credit, or insolvency.