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1 Top 10 questions about debt you're afraid to ask - Fairstone
https://www.fairstone.ca/en/learn/finance-101/answers-to-10-questions-about-debt
1. How much debt is too much debt? · 2. Is there a maximum amount of debt I can take on? · 3. How do I deal with credit card debt? · 4. What is a ...
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2 Debt Help Centre, Helping Canadians With Questions About ...
https://www.debt.ca/debt-help
Debt.ca is committed to helping Canadians get out of debt. Our most frequently asked questions page will provide you with any debt help you may need.
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3 Need help with your debt? Ask questions and ... - Canada.ca
https://www.canada.ca/en/innovation-science-economic-development/news/2022/11/need-help-with-your-debt-ask-questions-and-shop-around-to-avoid-paying-unnecessary-fees.html
Is your debt getting out of control? Don't know where to turn for help? ... Ask questions and shop around to avoid paying unnecessary fees.
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4 Questions To Ask A Debt Settlement Company - Loans Canada
https://loanscanada.ca/debt/questions-to-ask-a-debt-settlement-company/
Questions to Ask Your Debt Settlement Company · 1. How Much Do You Charge? · 2. How Long Has Your Company Been in Business and How Much Debt Have ...
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5 Credit Counselling Canada and the CBA partner to offer "Debt ...
https://cba.ca/debt-money-quiz
The Debt Money Quiz, a simple "Yes" or "No" questionnaire, asks users a series of questions about their finances.
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6 Questions About Bankruptcy - FAQ's 2020
https://bankruptcycanada.com/bankruptcy-questions/
Miscellaneous Bankruptcy FAQs · Which is Better Canadian or American Personal Bankruptcy? · Is My Debt Good, Bad or Ugly? · Why Should Bankruptcy Counselling Be ...
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7 Personal Finance, Credit and Debt FAQs
https://nomoredebts.org/about-us/credit-counselling-faq
Find Out Exactly How We Can Help by Answering 4 Simple Questions ; 1. What is your primary financial concern? Addressing my debts ; 2. Do you currently carry ...
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8 6 questions to ask before you borrow | Managing debt
https://www.getsmarteraboutmoney.ca/plan-manage/planning-basics/managing-debt/6-questions-to-ask-before-you-borrow/
6 questions to ask before you borrow · 1. How much will you pay each month? · 2. What is the total amount you'll repay? · 3. Is the loan secured?
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9 Credit Counselling Questions
https://debtfreecanada.ca/answers-to-credit-counselling-questions/
Call a Consumer Credit Counselling counsellor to help you through the steps to consolidate debt and become Debt Free today! The following are the various ...
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10 Debt Statistics - FAQ - World Bank
https://www.worldbank.org/en/programs/debt-statistics/faq
Find answers to the most frequently asked questions below. You can also view all of the FAQs in the "Debt Statistics-FAQ.pdf". If you can't find the answer ...
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11 Frequently Asked Questions - TransUnion Canada
https://www.transunion.ca/customer-support/faq
Get the answers to commonly asked questions about credit score, credit report, dispute credit and ... If you allow access, you have just assumed the debt.
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12 Global Debt Database - International Monetary Fund
https://www.imf.org/external/datamapper/datasets/GDD
The dataset comprises total gross debt of the (private and public) nonfinancial sector for an unbalanced panel of 190 advanced economies, emerging market ...
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13 Questions to ask yourself before taking on more debt - National
https://globalnews.ca/news/3084704/questions-to-ask-yourself-before-taking-on-more-debt/
Living on borrowed money is a reality for many Canadians, especially around the costly holidays. Before you dig yourself deeper into debt, ...
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14 Student Loan Questions - 4 Pillars
https://www.4pillars.ca/questions/studentloan
Do you help deal with government debt? I have student loans and debt with Revenue Canada. · How are student loans affected by a debt restructuring plan? · Can I ...
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15 Resources for money management and consumer issues
https://www2.gov.bc.ca/gov/content/family-social-supports/borrowing-money/resources
Solve debt problems; Manage money; Use credit responsibly ; Why it is necessary; Budgeting methods and resources; Budget counselling ; Payday or high-cost credit ...
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16 Slammed by debt and rising interest rates? Add your Qs to ask ...
https://www.cbc.ca/news/canada/calgary/insolvency-calgary-questions-expert-advice-1.6638391
CBC Calgary is taking your questions on bankruptcy, ... The Bank of Canada raised its interest rate six times this year and the increased ...
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17 Your Questions About Debt & Where to Get Debt Help Answered
https://www.sands-trustee.com/faq/debt-help-bc/
There are two main credit bureaus in Canada, Equifax and TransUnion. It is usually a good idea to check both, as one may have different information than the ...
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18 Frequently Asked Questions | National Institutes of Health
https://www.lrp.nih.gov/faqs
What if I defaulted on my loans? A defaulted loan cannot be included in the calculation of your eligible debt, which will affect the amount of your LRP award.
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19 Canadian public debt - Wikipedia
https://en.wikipedia.org/wiki/Canadian_public_debt
For 2021 (the fiscal year ending 31 March 2022), the market value of gross debt was $2,942 billion ($76,135 per capita) for the consolidated Canadian general ...
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20 CANADA DEBT REDUCTION FUND – CDRF
https://www.ourcommons.ca/Content/Committee/421/FINA/Brief/BR9073388/br-external/EbrahimMurtaza-e.pdf
1 Canada Debt Reduction Fund – CDRF by Murtaza Ebrahim Version 3.50 final ... What to the extent, if this was a question the Immigration Visa Officer had ...
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21 Questions and answers about applying for funding
https://www.international.gc.ca/world-monde/funding-financement/questions_answers-questions_reponses.aspx?lang=eng
The timeline for a response on your application will vary. For an unsolicited proposal, Global Affairs Canada will try to respond within two ...
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22 Student debt from all sources, by province of study and level of ...
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3710003601
Province of study, Canada (map). Type of debt source, Graduates who owed money for their education to any source (government or non-government).
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23 Financial assistance - Travel.gc.ca
https://travel.gc.ca/assistance/emergency-info/financial-assistance
After your return to Canada, you will receive an invoice from Global Affairs Canada detailing the amount of your debt.
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24 Debt securities statistics - Bank for International Settlements
https://www.bis.org/statistics/secstats.htm
Country tables - detailed view of debt securities markets. C3, Debt securities issues and amounts outstanding, by residence and nationality of issuer.
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25 Immigration, race, mortgage lending, and the geography of ...
https://www.sciencedirect.com/science/article/pii/S0016718517302956
This paper investigates questions related to these issues in Canada's three global ... Such geographies of debt, we suggest, have implications not only for ...
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26 The Finance Minister couldn't answer these basic ... - Facebook
https://www.facebook.com/PierrePoilievreMP/videos/the-finance-minister-couldnt-answer-these-basic-finance-questions-at-committee/329106365436421/
› Pierre Poilievre › Videos
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27 Canada Emergency Business Account (CEBA)
https://ceba-cuec.ca/
If you continue to have questions, you may call the CEBA Call Centre at 1-888-324-4201. The CEBA Call Centre is available Monday to Friday from 9AM to 6PM ...
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28 The Cost of Government Debt in Canada | Fraser Institute
https://www.fraserinstitute.org/sites/default/files/cost-of-government-debt-in-canada.pdf
Debt in Canada. Interest payments on government debt. Your tax dollars ... The Cost of Government Debt in Canada ... of economic policy issues including.
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29 Canadian National Debt Explained: Is Prolific Borrowing A ...
https://commodity.com/data/canada/debt-clock/
The account of debts is limited to loans and financial instruments undertaken by the central and provincial governments. According to the IMF, by the end of ...
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30 Debt Relief Canada - 5 Top Solutions | Avoid Bankruptcy
https://www.hoyes.com/debt-relief/
The only Canadian government debt relief program is a consumer proposal. A consumer proposal is a formal, legal debt settlement program available under the ...
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31 Bankruptcy in Canada: Bankruptcy QUESTIONS and ANSWERS
https://www.bankruptcy-in-canada.com/
Bankruptcy questions are answered here at Bankruptcy in Canada – info about bankruptcy, consumer proposals, and other debt options.
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32 The Market Value and Maturity Structure of ... - JSTOR
https://www.jstor.org/stable/135341
leaving many of the important public debt questions either unaddressed or ... Government of Canada debt: treasury bills, bonds, and Canada Savings Bonds.
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33 The Top 7 Questions On Consumer Proposals | MNP LTD
https://mnpdebt.ca/en/resources/mnp-debt-blog/the-top-7-questions-on-consumer-proposals
What is the requirement to file a Consumer Proposal? · What happens if my creditors do not accept the Consumer Proposal? · Can I include a debt owing to the ...
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34 Canada, Debt - Economic Data Series | FRED | St. Louis Fed
https://fred.stlouisfed.org/tags/series?t=canada%3Bdebt
52 economic data series with tags: Canada, Debt. ... Net Issues of International Debt Securities for Issuers in Non-Financial Corporations (Corporate ...
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35 Is Canada's Federal Debt a Cause for Concern?
https://financesofthenation.ca/2020/10/28/is-canadas-federal-debt-a-cause-for-concern/
› 2020/10/28 › is-canadas...
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36 Frequently Asked Questions - Indian Affairs
https://www.bia.gov/frequently-asked-questions
If you did not include your BIA debt, you should amend those documents to reflect the debt owed to BIA, and ensure BIA is treated equitably under your plan. You ...
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37 What Explains Trends in Household Debt in Canada?
https://www.bankofcanada.ca/wp-content/uploads/2012/02/boc-review-winter11-12-crawford.pdf
The aggregate debt-to-income ratio of Canadian households has trended ... and monetary policy issues.4 A comprehensive analysis of these questions.
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38 Myth-Busting Government Debt - Build Back Better
https://buildbackbetter.unifor.org/myth_busting
At the same time, this amount of spending raises many questions from people ... Prior to the forced economic shutdown, Canada's debt-to-GDP ratio was just ...
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39 Annex 2 - Update on the 2022-23 Debt Management Strategy
https://www.budget.gc.ca/fes-eea/2022/report-rapport/anx2-en.html
Global Bond Issuance. Canada issues foreign currency bonds solely for the purpose of bolstering its liquid foreign currency reserves. In April ...
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40 Strategies to pay down debt - Edward Jones
https://www.edwardjones.ca/ca-en/market-news-insights/guidance-perspective/debt-rising-rates
The FP Canada Financial Stress Index tells us that 38% of Canadians report that money is their greatest source of stress, and 39% of Canadians are tackling ...
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41 Who Ownes Canada's Debt? - Canadian Taxpayers Federation
https://www.taxpayer.com/media/Who%20Ownes%20Canadas%20Debt.pdf
question? Ask for it by e-mail at: research@taxpayer.com. The CTF has been rais- ing awareness about the size and scope of our national debt to.
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42 Student Loan Forgiveness: All Your Questions Answered - TIME
https://time.com/6223019/student-loan-forgiveness-application-guide/
The Biden Administration's application for debt cancellation has officially launched. Borrowers can apply for forgiveness anytime before Dec ...
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43 Answers to the Most Asked Debt Questions - Credit Solutions
https://www.creditsolutions.ca/your-debt-questions-answered/
Can a US creditor garnish my Canadian wages? Yes – however that will depend on several things such as: the State in which the creditor is located, where the ...
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44 Consumer Protection Frequently Asked Questions
https://www.gov.nl.ca/dgsnl/faq/collection-faq/
What do I do if I feel harassed by a collection agency? · Can I be forced to find other funding to pay off my debt with the collection agency? · The collection ...
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45 Your Debt Collection Questions Answered - Consolidated Credit
https://www.consolidatedcreditcanada.ca/financial-news/your-debt-collection-questions-answered/
6. How do I negotiate debt collection? ... You can call the collection agency and ask to negotiate a payment plan to settle your debts. Remember, ...
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46 Paying Off Debt vs. Saving: What Takes Priority
https://discover.rbcroyalbank.com/paying-off-debt-vs-saving-what-takes-priority-as-a-resident/
Is your loan private or public; How much money you owe; The interest rates for each kind of debt; The repayment terms; Your minimum monthly payments. Keep in ...
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47 Defense Finance Accounting Service (DFAS)
https://www.dfas.mil/

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48 When to Use Tax Form 1099-C for Cancellation of Debt
https://turbotax.intuit.com/tax-tips/debt/when-to-use-tax-form-1099-c-for-cancellation-of-debt/L24iT0a3S
Just answer simple questions, and we'll guide you through filing your taxes with confidence. Whichever way you choose, get your maximum refund ...
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49 What Happens To Your Debt When You Die In Canada? - Willful
https://www.willful.co/learn/what-happens-to-your-debt-when-you-die
What Happens If You Die With Debt? · Do I Need A Will If I Have Debt? · Can My Beneficiaries Inherit My Debt In Canada? · What If I Have More Debts Than Assets?
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50 Internal Revenue Service | An official website of the United ...
https://www.irs.gov/
Pay your taxes. Get your refund status. Find IRS forms and answers to tax questions. We help you understand and meet your federal tax responsibilities.
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51 IIROC
https://www.iiroc.ca/
The Investment Industry Regulatory Organization of Canada is the pan‑Canadian ... dealers and trading activity on Canada's debt and equity marketplaces.
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52 Debt Management Policies - MRSC
https://mrsc.org/Home/Explore-Topics/Finance/Debt/Debt-Management-Policies.aspx
The amount of debt your jurisdiction issues is an important factor ... the United States and Canada (APTUSC) also offers a higher-level debt ...
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53 Federal Trade Commission | Protecting America's Consumers
https://www.ftc.gov/

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54 Contacts - OSAP: Ontario Student Assistance Program
https://osap.gov.on.ca/OSAPPortal/en/PostsecondaryEducation/OSAP/Help/Contacts/index.htm
National Student Loans Service Centre (NSLSC). Contact NSLSC for questions about your loan debt and repayment or to provide updated bank information.
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55 Collecting debts from consumers - Osler, Hoskin & Harcourt LLP
https://www.osler.com/en/resources/business-in-canada/browse-topics/selling/collecting-debts-from-consumers
AB: What Creditors Can Do If You Can't Pay · BC: Debt Collection · MB: Collection Practices · NL: Collection Agencies and Frequently Asked Questions · NS: ...
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56 Borrowing – Loans & Lines of Credit | TD Canada - TD Bank
https://www.td.com/ca/en/personal-banking/products/borrowing/
Looking to make a large purchase, consolidate debt or renovate your home? ... Our banking specialists are ready to answer your questions and assist you with ...
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57 4.1.6 Calculating debt ratio - Canada.ca
https://itools-ioutils.fcac-acfc.gc.ca/yft-vof/eng/credit-1-7.aspx
My debt ratio ; Student loan payment. $. Invalid format. ; Child support and alimony payment. $. Invalid format. ; Other Monthly Debt Payments Label 1 · Other ...
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58 Online Personal Loans + Full-Service Banking at LendingClub
https://www.lendingclub.com/
LendingClub helps members pay down high-interest debt, save money, and take control of their financial future. Let us show you how it works.
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59 13 Student Debt in Canada Statistics [Updated in 2022]
https://reviewlution.ca/resources/student-debt-in-canada-statistics/
student debt Canada statistics were collected in ; April and May 2020, signifying increasing financial anxiety over ; COVID-19 economic issues.
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60 If I Owe Money And Return To Canada, Can I Be Arrested At ...
https://www.afarber.com/blog/if-i-have-debts-and-i-return-to-canada-will-i-be-arrested-at-the-border/
A question our Licensed Insolvency Trustees frequently get asked by Canadians calling or emailing us from abroad is “what might happen if I owe money to a ...
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61 Cross Border Tax Issues - Lawson Lundell LLP
https://www.lawsonlundell.com/media/news/258_CrossBorderTaxIssues.pdf
bearing debt. Target. Corporation. US Investor. Share capital. United States. Canada. 1. Canadian Taxation of Interest Income. Interest paid by the Target ...
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62 Specially Designated Nationals And Blocked Persons List ...
https://home.treasury.gov/policy-issues/financial-sanctions/specially-designated-nationals-and-blocked-persons-list-sdn-human-readable-lists
... Additional OFAC Resources · Frequently Asked Questions · Civil Penalties and Enforcement Information · OFAC Reporting System · Contact OFAC ...
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63 Government Benefits, Grants, and Loans | USAGov
https://www.usa.gov/benefits-grants-loans
... Military Programs and Benefits · Retirement · Social Security Questions · State Social Service Agencies · Unemployment Help. Credit and Debt.
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64 Need help with your debt? Ask questions and ... - Mirage News
https://www.miragenews.com/need-help-with-your-debt-ask-questions-and-shop-892289/
Beware of unregulated, unlicensed debt advisors that claim to be authorized to assist you with insolvency options. · If it sounds too good to be ...
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65 Federal Deficit and Public Debt in Canada: Are We Aware of ...
https://www.ifsd.ca/en/blog/last-page-blog/deficit-public-debt
The question of public debt has always been the subject of much discussion, especially during the election year. In this brief, we assess ...
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66 The Three Cs of Credit
https://www.myfloridacfo.com/ymm/creditanddebt/credithistory/threecsofcredit.aspx
What is your current salary? · How many other loan payments do you have? · What are your current living expenses? · What are your current debts? · How many ...
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67 8 Questions to Ask Before Hiring a Debt Collection Agency
https://www.metcredit.com/blog/8-questions-to-ask-a-before-hiring-a-debt-collection-agency/
So don't wait to bring a collection agency on board. Since most Canadian provinces having a two-year statute of limitations on debt collection, I encourage you ...
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68 Fact Sheet #30: The Federal Wage Garnishment Law ...
https://www.dol.gov/agencies/whd/fact-sheets/30-cppa
Other questions relating to garnishment should be directed to the court or agency ... The Debt Collection Improvement Act authorizes federal agencies or ...
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69 Frequently asked questions - About the Receiver General for ...
https://www.tpsgc-pwgsc.gc.ca/recgen/txt/faq-eng.html
If your payment is not included on this list, you can find contact information for the issuing department or agency on the Government of Canada ...
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70 Debt, financial anxiety, and economic recovery | Manulife Bank
https://www.manulifebank.ca/personal-banking/plan-and-learn/personal-finance/fall-debt-survey.html
48% of Canadians feel overwhelmed by their financial situation; 1 in 4 mortgage holders say that if rates rise much further, they will be forced ...
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71 Student Loan Forgiveness (and Other Ways the Government ...
https://studentaid.gov/articles/student-loan-forgiveness/
Here's a common question from customers who have taken out student loans… ... One-time student loan debt relief is provided by the U.S. Department of ...
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72 Canadians are resorting to debt to pay bills amid high inflation
https://www.ctvnews.ca/business/canadians-are-resorting-to-debt-to-pay-bills-amid-high-inflation-1.6044790
TOP REASONS FOR TAKING ON DEBT · YOUNGER CANADIANS ARE BECOMING MORE INDEBTED · HOUSING COSTS ARE LEADING TO MORE FINANCIAL HEADACHES.
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73 What should I do if I get a call claiming there's a problem with ...
https://faq.ssa.gov/en-us/Topic/article/KA-10018
Don't be fooled! You should look out for: A caller saying there is a problem with your SSN or account. Any call asking you to pay a fine or debt ...
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74 Canadian Debt Relief - Avoid CRA Scams & Fraud - LCTaylor
https://lctaylor.com/how-to-spot-debt-relief-scams-in-manitoba/
How to Spot Canadian Debt Relief Scams in Manitoba · Does the Organization Charge Hefty Fees up Front? · Do They Make Outrageous Promises? · Do They Tell You That ...
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75 Debt help, tips and traps - Consumer Alert - Newswire.CA
https://www.newswire.ca/news-releases/debt-help-tips-and-traps-consumer-alert-need-help-with-your-debt-ask-questions-and-shop-around-to-avoid-paying-unnecessary-fees--863310978.html
Ask questions and shop around to avoid paying unnecessary fees. Français. News provided by. Innovation, Science and Economic Development Canada.
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76 Debt nation: Canada borrowed itself into a tough spot, now it ...
https://financialpost.com/news/economy/coronavirus-crisis-canada-debt-nation
The non-financial sector's total credit as a percentage of Canada's gross domestic product was more than 300 per cent (or over US$5.2 trillion) ...
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77 Ontario Financing Authority (OFA)
https://www.ofina.on.ca/main.html
The OFA is an agency of the Province of Ontario, Canada, responsible for provincial borrowing and debt management activities. The official Website of the ...
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78 Readers Question: Canada National Debt 2011
https://www.economicshelp.org/blog/3032/economics/canada-national-debt/
Citing just the federal debt is a gross underestimation of Canada's debt problems. It is the figure that the jingoistic media uses to make ...
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79 Discussion Paper: Whether General Purpose Debt Should Be ...
https://otc-cta.gc.ca/eng/discussion-paper-general-purpose-debt
As part of its mandate to support the efficiency of Canada's national ... The question of the treatment of general purpose debt has been the ...
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80 Credit Counselling: Your Questions Answered - Equifax
https://www.consumer.equifax.ca/personal/education/credit-report/credit-counselling-q-a/
In addition, you may have to pay a fee to the credit counselling agency. Debt management plans usually don't cover debts owed to the Canada Revenue Agency or ...
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81 Investor relations | Alberta.ca
https://www.alberta.ca/investor-relations.aspx
Bondholder information; Debt issuance documents; Quarterly reports ... Province of Alberta Canadian Treasury Bill Program: Information Circular (June 12, ...
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82 For people who owe support - Department of Justice
https://www.justice.gc.ca/eng/fl-df/enforce-execution/pwo-pqp.html
Child support and parenting time are separate issues. ... take part or all of that income to pay any judgment debt that you owe, including family support.
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83 Frequently Asked Questions - Canada Infrastructure Bank
https://cib-bic.ca/en/about-us/faq/
What is the Canada Infrastructure Bank? ... What are the CIB's investment priorities? ... Who does the CIB invest and/or partner with? ... Are there regional ...
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84 Permanent Residents
https://www.cic.gc.ca/english/helpcentre/results-by-topic.asp?top=10
If you're interested, answer a few questions to see how you can help. I'm interested (opens in a new tab). × Dismiss. Permanent residence.
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85 Commercial payments and accounts: Frequently asked ...
https://www.cbsa-asfc.gc.ca/prog/arl-glcc/faq-eng.html
Commercial Payments and Accounts - Frequently Asked Questions. ... Is commercial debt posted to a broker's account or an importer's account?
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86 How the Bank of Canada Creates Money Through its Asset ...
https://lop.parl.ca/sites/PublicWebsite/default/en_CA/ResearchPublications/201551E
However, with the Bank of Canada's unprecedented asset purchases to reduce the ... the direct purchase of Government of Canada securities at debt auctions.
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87 Financing for Development in the Era of COVID-19 and Beyond
https://www.un.org/en/coronavirus/financing-development
On 28 May 2020, the Prime Ministers of Canada and Jamaica and the Secretary-General ... global liquidity and financial stability; debt vulnerability; ...
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88 Dave Ramsey's 7 Baby Steps
https://www.ramseysolutions.com/dave-ramsey-7-baby-steps
Pay off all debt (except the house) using the debt snowball. ... Answer a few questions and we'll create a custom plan just for you to help you take control ...
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89 Are Canadians struggling with debt? - Caddle
https://getcaddle.com/blog/canadian-debt-are-canadians-struggling-with-debt/
94% of Canadians agree that the average household has to much debt (Manulife Bank Debt Survey); 84% state that getting out of financial debt is their number one ...
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90 Joint Debt and Divorce in Canada
https://divorce-canada.ca/separation-and-joint-debt
The first thing that needs to be determined is the amount of debt each person is carrying individually. It is important to understand that secondary cardholders ...
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91 Rising interest rates and household debt: Are Canadians at ...
https://www.businesscouncilab.com/work/rising-interest-rates-and-household-debt-are-canadians-at-higher-risk/
As of May 2022, non-mortgage household debt in Canada is 4.2% below pre-COVID levels. Considering the decades-long unbroken streak of rising non ...
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92 Proof of Funds - Do I need to tell immigration about all my debts?
https://www.youtube.com/watch?v=AyEfyLWivdw
Canadian Immigration Institute
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93 Day Notice of Proposed Information Collection: Debt ...
https://www.regulations.gov/document/HUD-2006-0228-0007
HUD encourages interested parties to submit comment in response to these questions. C. Authority. Section 3507 of the Paperwork Reduction Act of 1995, 44 U.S.C. ...
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94 Hub Explainer: Canada's growing debt is sustainable, but risky
https://thehub.ca/2021-04-22/trevor-tombe-canadas-growing-debt-is-sustainable-but-risky/
Economic growth is a key factor in keeping Canada's debt manageable. But the effect is slow. ... Trevor Tombe is an Associate Professor of ...
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95 Find a Service Canada Office
https://www.servicecanada.gc.ca/tbsc-fsco/sc-hme.jsp
... Find out if you need an eTA or a visa to visit Canada · Have questions? Find answers in the Help Centre. Travel and tourism.
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96 Stop collection agency calls - Ontario.ca
https://www.ontario.ca/page/stop-collection-agency-calls
Debt settlement services are different than credit counsellors. They are for-profit companies and charge a fee to help you negotiate a plan to repay your debts.
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