Best Debt Relief Companies in Canada
We have reviews for the top debt relief companies in Canada. Read our client reviews to find the best debt relief company near you.
Debt Relief Company Reviews
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Find the Best Debt Relief Companies in Canada
Finding the right debt relief in Canada starts with research. We look at firms that explain options in plain language and set realistic timelines. You will see how consolidation, consumer proposals, and credit counselling differ. We also note when a case needs a Licensed Insolvency Trustee. Our picks are based on transparency, client outcomes, and support from the first call to the final discharge.
Before you choose, check the total cost, who holds the licence, and how progress is reported. Good providers give written plans, clear fees, and accessible counsellors. Ask about credit impact, monthly payment ranges, and relief if income changes. Use the list below to compare companies across regions, then read the reviews to decide what fits your situation.
Debt Relief Near Me
Find the best debt relief company in Canada.
Toronto, ON
Large providers and many Licensed Insolvency Trustees
Vancouver, BC
Strong non-profit counselling and proposal expertise
Calgary, AB
Quick appointments and flexible payment plans
Montréal, QC
Bilingual support and experienced trustee networks
Top Debt Relief Companies in Canada
Based on client reviews and staff feedback, A. Farber & Partners Inc. is one of the best debt relief companies in Canada. Clients describe the team as patient, respectful, and highly knowledgeable about every debt solution available. David Sklar & Associates Inc. and Harris & Partners Inc. are also well-regarded for their debt relief programs in Canada.
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1A. Farber & Partners Inc.Best
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2David Sklar & Associates Inc.Top 2
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3Harris & Partners Inc.Top 3
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4A. Fisher & Associates Inc.Top 5
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5Chande Debt SolutionsTop 5
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64 Pillars Financial Wellness AdvocatesTop 10
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7MNP DebtTop 10
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8Jean Fortin & AssociésTop 10
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9DebtCare Canada Inc.Top 10
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10MSI Spergel Inc.Top 10
Debt Relief Company Reviews
A. Farber & Partners Inc.
A. Farber & Partners helps Canadians find relief from overwhelming debt through practical, respectful guidance. Their team focuses on listening first and explaining every option clearly. With more than 200,000 people helped across Canada, Farber has built its name on empathy, trust, and a clear path toward financial recovery.
Best of A. Farber & Partners Inc.
Farber’s licensed insolvency trustees guide clients through the process of creating affordable payment plans that protect assets and stop collection calls. Their goal is to help people rebuild credit while staying calm and informed.
Their credit counsellors explain options clearly and help clients plan budgets that fit real-life needs. They focus on rebuilding confidence, not just reducing debt numbers.
When bankruptcy is the right step, Farber supports clients with clear explanations and respect. They ensure no one feels alone through what can be a difficult decision.
A. Farber & Partners Inc. Reviews
Clients describe feeling relieved after meeting the Farber team. They often mention how approachable and non-judgemental the staff are when discussing debt. Many say the advice was clear, the process simple, and the results helped them start fresh.
- Supportive and caring staff
- Simple and clear process
- Availability may vary by office
Employees share favourable impressions. Some appreciate the friendly atmosphere and say colleagues are supportive and easy to approach. Others note a heavy workload that can feel overwhelming for new staff, although the work remains rewarding.
- Friendly team culture
- Supportive leadership
- Workload can be heavy
(Based on client & staff reviews)
Overall, A. Farber & Partners earns strong trust from clients for its compassion and clear guidance. Inside the firm, opinions vary more, but most agree it’s a people-focused company with a busy pace and caring leadership.
David Sklar & Associates Inc.
David Sklar & Associates is a family-owned firm founded in 1997. They help people manage debt with clear, step-by-step guidance. Licensed trustees explain choices in plain language. Clients can watch video stories from people who reached debt freedom. The tone stays warm and patient, which helps tough decisions feel manageable.
Best of David Sklar & Associates Inc.
Licensed insolvency trustees help create affordable proposals that pause collection calls and set steady payments. Clients learn how the plan fits their budget and how to rebuild credit with realistic steps.
Advisors review income, bills, and habits to build a workable plan. They teach practical budgeting skills, track progress, and suggest small changes that add up. Clients leave with tools they can use right away.
When bankruptcy is the right path, the team explains duties and timelines in plain language. They prepare clients for each step and stay available for questions. The goal is a calm process and a fresh start.
David Sklar & Associates Inc. Reviews
Clients often say they felt understood and cared for from the first conversation. Reviewers praise the patience and kindness of the staff, noting that the firm helps them feel comfortable tackling difficult financial choices. Many describe the team as reassuring and genuinely helpful.
- Patient, kind staff
- Clear guidance for tough choices
- Peak times can book up fast
Staff experiences range from deeply positive to frustrated. Some speak warmly about the family-run environment and years of steady work. Others describe uneven management and communication, which can affect morale.
- Supportive, family-style culture
- Steady client volume
- Communication can feel uneven
(Based on client & staff reviews)
Overall, David Sklar & Associates is known for its empathy toward clients and long record of success. While internal feedback is mixed, the team’s commitment to client care remains clear in almost every review.
Harris & Partners Inc.
Harris & Partners traces its roots in Southern Ontario to 1964 under founder Lawford Harris. The firm helps people handle debt with calm, respectful advice and clear steps. Clients highlight friendly, professional, and efficient support that makes hard choices feel manageable. With approachable staff and steady guidance, many describe feeling more in control and ready to move forward.
Best of Harris & Partners Inc.
Licensed insolvency trustees work with creditors to set affordable payments that fit real budgets. Clients learn each step, pause collection calls, and start rebuilding stability with a plan that feels doable.
Advisors review income, spending, and priorities to build a simple plan. Clients practise small habits, track progress, and use practical tools that support day-to-day decisions and longer term goals.
When bankruptcy is the right path, the team explains duties and timelines in plain language. They prepare documents, answer questions quickly, and guide clients through each stage with steady, calm support.
Harris & Partners Inc. Reviews
Clients talk about being treated with dignity and respect from the start. They highlight advisors who listen carefully and explain every step. Many credit the team’s calm professionalism for helping them regain control over stressful financial issues.
- Respectful, patient advisors
- Clear step-by-step explanations
- Peak appointment times fill quickly
Employees often describe the office as friendly and low-pressure. They mention good training and management that values balance. Some note leadership communication could be stronger, but most call it a supportive place to learn.
- Supportive, low-pressure culture
- Helpful training and balance
- Leadership communication varies
(Based on client & staff reviews)
Harris & Partners is seen as approachable and professional, both for clients and staff. Reviews suggest it’s a well-run firm with a personal touch that puts people at ease during hard times.
A. Fisher & Associates Inc.
Founded in 2020 by Licensed Insolvency Trustee Andy Fisher, this firm aims to do things differently and put clients first. The approach feels modern and practical. Advisors explain steps in clear language and keep people calm. Many clients describe caring guidance, quick answers, and steady support from start to finish.
Best of A. Fisher & Associates Inc.
Licensed trustees design proposals with payments that fit real budgets and pause collection pressure. Clients learn each step, understand timelines, and get practical tips for rebuilding credit with steady, manageable progress.
Advisors review income, bills, and goals to map a simple plan. They explain options in plain words, outline next actions, and help clients build habits that support confidence and long-term stability.
When bankruptcy is the right choice, the team prepares documents, explains duties, and answers questions promptly. Clients move through each stage with calm guidance and a focus on a fresh start.
A. Fisher & Associates Inc. Reviews
Clients say the experience feels personal and compassionate. They describe staff who listen closely, explain each step in plain language, and help them stay calm through the process. Many call the service professional and genuinely caring.
- Personal, compassionate service
- Clear, step-by-step explanations
- Popular time slots fill quickly
Employees report a more difficult atmosphere. Reviews mention strict oversight and limited room for growth, with some pointing to poor communication between managers and staff.
- Structured processes and expectations
- Consistent client volume
- Communication and growth feel limited
(Based on client & staff reviews)
A. Fisher & Associates earns strong marks from clients for empathy and professionalism. Employee feedback is more divided, showing that while client care is a clear strength, internal culture may still be evolving.
Chande Debt Solutions
Chande Debt Solutions was started to deliver a more personalised path to becoming debt free. The team focuses on quick replies, clear steps, and calm guidance. The office feels small and connected, which helps conversations feel open. Records show the firm was established in 2014. Clients describe a smooth process that builds confidence from the first call.
Best of Chande Debt Solutions
Licensed professionals help create affordable proposals that pause collection pressure and fit real budgets. Clients learn each step, understand timelines, and leave with simple actions that support steady progress and credit rebuilding.
Advisors review income, bills, and goals to map out practical options. They explain trade-offs in plain language, set next steps, and offer everyday tools that help clients stay organised and motivated.
When bankruptcy is the right choice, the team explains duties and milestones clearly. They prepare documents, answer questions quickly, and guide clients through each stage with patience and steady support.
Chande Debt Solutions Reviews
Clients describe the process as smooth and stress-free. They appreciate quick responses, friendly staff, and clear guidance that made debt relief feel achievable. Many say they finished the process with confidence and relief.
- Quick, friendly responses
- Clear, step-by-step guidance
- Small office can book up quickly
Employee feedback paints a positive picture. Staff mention an empowering environment, close teamwork, and leadership that values professional development. The tone suggests a small, well-connected office culture.
- Supportive, team-focused environment
- Emphasis on learning and growth
- Advancement can feel limited in a small team
(Based on client & staff reviews)
Chande Debt Solutions earns high praise for both service and atmosphere. Reviews show a team that works closely together and a client experience that’s fast, supportive, and results-driven.
4 Pillars Financial Wellness Advocates
Founded in 2002, 4 Pillars focuses on practical debt help that people can understand and use right away. The team listens, builds simple plans, and follows through. Offices across Canada make support easy to reach. With thousands of public reviews, their approach feels proven, respectful, and focused on real results.
Best of 4 Pillars Financial Wellness Advocates
Advisors review income, debts, and goals to map a clear path forward. Clients leave with step-by-step actions, realistic timelines, and tools that build confidence while reducing stress around bills and collections.
Coaches create a workable budget and teach habits that stick. They track progress, suggest small changes that add up, and share credit rebuild tips so clients see steady gains over time.
The team helps organise paperwork, prepares clients for calls, and supports negotiations. Clear scripts and guidance keep conversations calm and focused on manageable payments and a sustainable plan.
4 Pillars Financial Wellness Advocates Reviews
Clients say 4 Pillars made the process simple and fast. They describe staff who listen, break things down clearly, and treat every case with respect. Many note big financial relief and call the results life-changing.
- Simple, respectful process
- Clear steps and fast timelines
- Busy periods can extend wait times
Employees describe a flexible environment where independence is encouraged. Reviews mention good training, steady support, and fair leadership. Some note that workload balance could be improved, but most value the team spirit.
- Flexible and supportive culture
- Helpful training and fair leadership
- Workload balance can vary
(Based on client & staff reviews)
Overall, 4 Pillars earns strong confidence from both clients and staff. The firm’s personal approach and practical solutions make it stand out as one of the most approachable debt-help options in Canada.
MNP Debt
MNP Debt offers what it calls life-changing debt solutions delivered by Licensed Insolvency Trustees across Canada. The firm is part of MNP Ltd., which has operated for decades and maintains BBB accreditation in Ontario. Clients get clear explanations, steady contact, and plans that feel realistic. The tone is professional and focused on results that reduce stress.
Best of MNP Debt
Trustees help design proposals with payments that match real budgets and pause collection pressure. Clients understand timelines, rights, and next steps, which builds confidence and keeps the plan on track through each milestone.
Advisors review income, bills, and habits to shape a simple budget. They suggest small, practical changes and credit rebuild tactics, so clients see progress and regain control over day-to-day decisions.
When bankruptcy fits the situation, the team explains duties and paperwork in plain language. They prepare clients for every meeting, answer questions quickly, and keep the process calm and organised.
MNP Debt Reviews
Clients describe MNP Debt as responsive and professional. They mention quick answers, approachable staff, and realistic plans that ease stress. Many say the process gave them a clear path toward rebuilding stability.
- Fast replies and clear advice
- Plans that feel realistic
- Busy seasons can slow scheduling
Employee reviews show mixed feelings. Some enjoy the established structure and broad resources, while others find management inconsistent. A few mention internal politics that affect communication.
- Strong training and resources
- Clear processes and support
- Management consistency can vary
(Based on client & staff reviews)
MNP Debt has a strong public reputation for reliable guidance and steady support. While clients trust the firm’s expertise, internal reviews point to growing pains common in large national offices.
Jean Fortin & Associés
Founded in 1984, Jean Fortin & Associés set out to demystify debt solutions and teach better money habits. The firm blends education with practical help. Family leadership spans three generations. Clients meet a steady team that listens, explains options, and guides each step with calm, organised care.
Best of Jean Fortin & Associés
Trustees design proposals that fit real budgets and pause collection pressure. Clients learn timelines, duties, and next actions in plain language. The focus is steady progress and a clear plan that rebuilds confidence.
Advisors review income and spending, then build a simple roadmap. Clients practise small habits, track wins, and use tools that make choices easier. Lessons improve everyday decisions and support long-term stability.
When bankruptcy is appropriate, the team explains every stage and handles paperwork clearly. Clients know what to expect and when. Support stays patient and consistent from start to finish.
Jean Fortin & Associés Reviews
Clients often say the firm made a difficult situation feel manageable. They describe kind staff, quick appointments, and clear explanations. Many appreciate the balance of compassion and professionalism that builds trust.
- Kind, respectful staff
- Clear explanations and quick booking
- Popular times fill up fast
Employees report positive morale and solid stability. They highlight fair pay, a balanced schedule, and an atmosphere that values teamwork. The firm’s long history and family leadership help create a close-knit culture.
- Fair pay and balanced schedule
- Team-focused environment
- Growth opportunities can be gradual
(Based on client & staff reviews)
Jean Fortin & Associés earns consistent praise for its warmth and organization. Clients and staff alike describe a dependable place that delivers thoughtful service year after year.
DebtCare Canada Inc.
DebtCare Canada presents itself as an advocate that acts quickly to stop collections, wage garnishments, and lawsuits. The team explains options in plain language and maps next steps. Clients describe fast action and steady guidance. Some independent reviews trend negative, so readers may wish to compare sources and ask detailed questions before deciding.
Best of DebtCare Canada Inc.
Advisors move fast to address wage garnishments, frozen accounts, and collection calls. They explain rights, gather documents, and outline a step-by-step plan that aims to reduce pressure while creating space to make clear decisions.
The team reviews income, bills, and goals to build a workable roadmap. Clients leave with concrete actions, a simple budget, and guidance on what to prioritise first, which helps reduce stress and restore confidence.
Staff help prepare scripts, organise paperwork, and guide clients through calls and emails. The focus is calm conversations, realistic proposals, and steady follow-up that improves the chance of manageable terms.
DebtCare Canada Inc. Reviews
Clients describe a team that steps in quickly when finances get stressful. They value how DebtCare explains every step and helps stop collections. Several reviews credit the staff for turning a frustrating problem into a new start.
- Quick action during high stress
- Clear guidance and next steps
- Experiences vary by branch
Staff describe friendly co-workers and helpful mentors. Training is often mentioned as strong, and some say management stays involved. A few note that growth can be limited, but the atmosphere stays upbeat.
- Supportive peers and mentors
- Hands-on training and involvement
- Advancement can feel limited
(Based on client & staff reviews)
DebtCare Canada is praised for its fast response times. Reviews show a company focused on practical solutions and steady teamwork, even if experiences vary by branch.
MSI Spergel Inc.
Spergel focuses on clear, practical debt help that people can act on right away. The team listens closely, explains choices in plain language, and follows through. A strong public TrustScore reflects steady client satisfaction. Employees describe real chances to grow and regular team events. The overall feel is organised, respectful, and people-first.
Best of MSI Spergel Inc.
Licensed trustees design proposals with payments that fit real budgets and pause collection pressure. Clients learn timelines and duties, understand each step in plain words, and build confidence as they move toward a manageable plan.
Advisors review income and spending, then build a simple, workable budget. They suggest small changes that add up, track progress, and share credit rebuild tactics so clients see steady gains and feel in control.
When bankruptcy is the right call, the team explains requirements and paperwork clearly. They prepare clients for meetings, answer questions quickly, and keep the process calm and organised from start to finish.
MSI Spergel Inc. Reviews
Clients describe feeling reassured from their first meeting. They praise the firm’s patience, clear direction, and ability to simplify complex financial options. Many say Spergel helped them move forward with confidence.
- Patient, reassuring guidance
- Clear steps and simple explanations
- Busy seasons can extend wait times
Employees highlight a supportive and collaborative environment. They enjoy growth opportunities, approachable leaders, and recognition for their work. Some mention that workload can get heavy during busy seasons.
- Strong growth opportunities
- Approachable leadership and recognition
- Workload can spike at peak times
(Based on client & staff reviews)
Spergel earns top marks for trust and follow-through. Clients and staff describe a respectful culture focused on long-term results. Clear explanations and consistent processes help people feel confident about making progress toward a fresh start.