About

Debt Exit Map is an independent information site about getting out of unmanageable debt in Canada. It explains how consumer proposals, personal bankruptcy, non-profit credit counselling, debt management plans and the provincial programs work, what they cost under the federal rules, and how they affect your assets and credit report.

The guides are written for individuals and couples in every province, with the Quebec differences noted where the rules differ. Each guide names the statute or official body behind its key figures, such as the Bankruptcy and Insolvency Act, the BIA General Rules, OSB directives, the Financial Consumer Agency of Canada and provincial laws, and links to their official websites so you can check them. Worked examples use illustrative figures and say so.

We are not Licensed Insolvency Trustees, lawyers or credit counsellors, and we do not sell debt services, refer clients or receive referral fees. Nothing on this site is legal or financial advice. Rules, standards and fees change: before you act, confirm the details with a Licensed Insolvency Trustee, a non-profit credit counsellor or a lawyer in your province. We do not cover business or corporate insolvency, personal loans or credit card selection.

How this site is made

Debt Exit Map is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.