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Debt Repayment Options
Debt Repayment Options
Advantages and Disadvantages of each option, as well as when each option is viable.
Do Nothing
What are the disadvantages of doing nothing about my debt?
When is doing nothing about my debt viable?
When is doing nothing about my debt not a viable option?
Debt Consolidation Loan
What are the advantages of a debt consolidation loan?
What are the disadvantages of a debt consolidation loan?
When is a debt consolidation loan a viable option?
When is a debt consolidation loan not a viable option?
Informal Agreement with Creditors
What are the advantages of choosing an informal agreement with creditors?
What are the disadvantages of choosing an informal agreement with creditors?
When is an informal agreement with creditors a viable option?
When is an informal agreement with creditors not a viable option?
Debt Management Program (DMP) - Offered through Credit Counselling Society
What are the advantages of a Debt Management Program?
What are the disadvantages of a Debt Management Program?
When is a Debt Management Program a viable option?
When is a Debt Management Program not a viable option?
Orderly Payment of Debts (OPD) - Offered through Money Mentors
What are the advantages of an Orderly Payment of Debts?
What are the disadvantages of choosing an Orderly Repayment of Debts?
When is an Orderly Payment of Debts a viable option?
When is an Orderly Payment of Debts not a viable option?
Consumer Proposal (debts less than $250,000, excluding principal residence mortgage)
What are the advantages of a Consumer Proposal?
What are the disadvantages of a Consumer Proposal?
When is a Consumer Proposal not a viable option?
When is a Consumer Proposal a viable option?
Division I Proposal (debts over $250,000, excluding principal residence mortgage)
What are the advantages of a Division 1 Proposal?
What are the disadvantages of a Division 1 Proposal?
When is a Division 1 Proposal a viable option?
When is a Division 1 Proposal not a viable option?
Bankruptcy
What are the advantages of choosing bankruptcy?
What are the disadvantages of choosing bankruptcy?
When is filing for bankruptcy a viable option?
When is filing for bankruptcy not a viable option?