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A declaration of bankruptcy remains on your credit Bureau for 7 years after discharge date.

Bankruptcy affects your life in many ways - it costs money to file, it severely damages your credit score and can affect your ability to get credit in future or even an apartment or other job.

Learn the top myths about consumer proposal and bankruptcy. Consumer proposal or bankruptcy should always be considered last resorts. Try consolidating your debts or talking to your lenders first.

Use this tool to help you make sense of your debt consolidation plan. You'll be able to determine how much money you can save by consolidating your debts into one lower interest rate loan.

Have you found yourself in a spot where it seems you have too many debts and too many payments to make every month, making it hard to achieve your financial goals?