Getting Out of Debt

Dana Macrae is a Licensed Insolvency Trustee in Ontario

If you have debts that are overwhelming and you are unable to pay your bills, you are not alone.

At some point, almost everyone reaches the point where their paycheque is not enough to cover their bills.

You may think the only way out of debt is to file bankruptcy. However, other debt help alternatives are available.

Every person’s debt situation is unique, so talk to us for advice about what will work best for you. It’s possible that your situation is not as bad as you think; we may be able to offer practical advice that allows you to get control of your debt issues on your own.

You may feel so overwhelmed that you just try to avoid paying your debts. However, this only makes matters worse. Not paying is not an option – you should address your debt situation immediately. Other solutions to get out of debt include: debt consolidation, consumer proposals and bankruptcy.

How can I determine how much debt I have?

The easiest way is to make an expense budget. There are on-line tools available that will allow you to see if you can pay your everyday expenses and debts without using a credit card.

Advice about what will work best for you

If You Have Debts That Are Overwhelming.

Call for a free and confidential consultation at



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