Free Confidential Assessment

Struggling With Debt — But Own a Home?

You may have more options than you think. Explore debt relief solutions available to Canadian homeowners.

Canadian-based support
No obligation
Licensed professionals

Federally Licensed Insolvency Trustee

Regulated under Canadian law

Confidential & judgment-free

Serving Canadians nationwide

You're Not Alone

Debt Feels Heavy — Especially When You Own a Home

High interest piling up. Minimum payments going nowhere. The fear of losing your home. Not knowing which option is "safe."

But here's the good news: you have options.

How This Works

Three simple steps to explore your options

1

Tell us about your situation

Simple questions, takes about 60 seconds

2

We review possible debt relief paths

Including proposals, consolidation, or equity-based options

3

Speak with the right licensed professional

Only if it makes sense for your situation

No pressure. No cost. Just clarity.

Common Debt Relief Paths for Homeowners

Multiple solutions designed for different situations

Consumer Proposal (via Licensed Insolvency Trustee)

A legal agreement to reduce your debt and make affordable monthly payments. Stops interest and collection calls immediately.

Debt Consolidation

Combine multiple debts into one payment with a lower interest rate, making it easier to manage and pay down over time.

Home Equity Solutions

Use your home's equity to consolidate high-interest debt into a lower-rate mortgage or line of credit.

Informal Settlements

Negotiate directly with creditors to reduce balances or create manageable payment plans without formal proceedings.

Budget & Payment Restructuring

Work with a financial professional to reorganize your finances and create a sustainable repayment strategy.

Important: Availability depends on income, debt level, and home equity. Not all options are suitable for every situation.

This is for you if:

  • Homeowners in Canada
  • $15,000+ unsecured debt
  • Feeling stuck or overwhelmed

Not for:

  • Looking for instant loan approval
  • Not a homeowner
  • Business-only debt

Frequently Asked Questions

Clear answers about debt relief options in Canada

Important Disclosure

ConsumerAuto Relief is not a Licensed Insolvency Trustee. We help Canadians understand potential debt relief options and may connect you with licensed professionals, including Licensed Insolvency Trustees, where appropriate.

You Don't Have to Figure This Out Alone

Get your free assessment and discover what's possible.