Many individuals and organizations have financial difficulties, particularly during periods of economic volatility. While a considerable number of individuals and businesses struggle with financial challenges, bankruptcy and debt alternatives are being considered. However, making informed decisions requires understanding the details of these possibilities.

Financial challenges are a reality for many individuals and businesses around Canada. The high costs of living and insufficient funds accumulate debt, making it essential to explore the options available for debt management. The two key tools to gain financial recovery are Consumer Proposals and accessing Debt Management Services.