Research-Backed Debt Relief

Achieve Financial Freedom Without the Burden

Connect with licensed insolvency trustees for a free consultation. Filing fees subsidized up to 80% for eligible Ontario residents.

Check Your Eligibility Learn More

* Currently available for Ontario residents only

80%

Fees Subsidized

Free

Consultation

<1 Min

Eligibility Check

Supported by trusted organizations

Why Debt is Hard

You Deserve Financial Peace of Mind

We understand the challenges you're facing. Here's why getting help matters.

High Interest Rates

Debt compounds faster than you can pay it down. Interest charges, late fees, and penalties keep adding up, making it feel impossible to get ahead.

Overwhelming Stress

Calls from creditors, juggling bills, and making impossible choices takes a toll on your mental health and daily life.

No Clear Path Forward

With so many options and so much conflicting advice, it's hard to know which debt relief solution is right for your situation.

Our research study connects you with licensed professionals who can help you find the right solution.

Simple Process

How It Works

Getting help with your debt is easier than you think.

< 1 minute

Complete Eligibility Check

Fill out a quick form to see if you qualify for our study. Takes less than 1 minute and no financial information required.

< 15 minutes

Initial Questionnaire

If eligible, you'll be directed to an initial questionnaire to help us understand your situation better.

Free

Free Consultation

An associate will contact you within 2 business days to schedule a free consultation to discuss your debt relief options.

Eligibility

You Should Be Eligible If...

Our study is designed to help Ontarians who are struggling with debt. Check if you meet the basic criteria below.

You live in Ontario or the district.
You haven't previously filed for bankruptcy or insolvency.
You owe less than $200K in taxes to the Canada Revenue Agency.

Check Your Eligibility

What is a LIT?

A Licensed Insolvency Trustee (LIT) is a licensed professional who can provide advice and assistance to individuals with debt. LITs are the only professionals authorized to administer insolvency proceedings like bankruptcy or consumer proposals.

What Can I Expect?

If eligible, your filing fees could be subsidized by up to 80%. Whether eligible or not, you'll be connected with an LIT who will give you a free consultation and offer advice on debt relief.

Our Researchers

Meet the Team

Leading academics dedicated to understanding and improving debt relief outcomes.

Stephanie Ben-Ishai

Distinguished Research Professor

Osgoode Hall Law School

Full Professor at Osgoode Hall Law School, where she engages in research and teaching on contract, commercial law, and financial crises.

Zac Irving

Associate Professor

University of Virginia

Associate Professor at the University of Virginia's Corcoran Department of Philosophy, where he works in the philosophy of cognitive science.

Sheisha Kulkarni

Assistant Professor

University of Virginia

Assistant Professor at the University of Virginia's McIntire School of Commerce. Previously a postdoctoral researcher in household finance at the NBER. PhD in finance from UC Berkeley's Haas School of Business.

Support

Frequently Asked Questions

Everything you need to know about participating in our study.

Is my data secure?

The researchers have a number of data security protocols in place to prevent data breaches and to ensure that only the research team is able to view this data, which will be stripped of personal identifiable information. The licensed insolvency trustee is under professional obligations to protect your data. Your data will be safely stored in an encrypted and password protected database that only the research team will have access to. Your data will be stored for three years and then will be securely archived. Confidentiality will be provided to the fullest extent possible by law.

Has this study received the appropriate ethics approvals?

Yes. This research has been approved by the Human Participants Review Sub-Committee, York University's Ethics Review Board, and conforms to the standards of the Canadian Tri-Council Research Ethics guidelines.

How will participating in this study help me?

If you are eligible for the study, your filing fees could be subsidized by up to 80%. Whether you are eligible for the study or not, you will still be connected with an LIT who will give you a free consultation and can offer you advice and assistance with debt relief.

How long will the process take?

The eligibility check will only take one minute to complete! If you are eligible, you will be directed to an initial questionnaire that will take less than 15 minutes to complete. A link to the initial questionnaire will also be sent to your email in case you need to complete it later. A research associate will reach out to you to schedule a free phone consultation (approximately 30 minutes) with the LIT within two business days of your submission.

How should I prepare for the process?

If you are eligible, you will be contacted via the email address and phone number you provide, so make sure to keep an eye on your email inbox and messages! You may want to prepare in advance any questions or concerns you want to discuss with the LIT during your free consultation.

Is the initial consultation free?

Yes! The trustee will meet with you for an initial consultation to go over your debt relief options with you and answer any questions you have.

If I participate in the study, do I have to file for bankruptcy or use this trustee?

No. You do not have to file or, if you choose to file, you do not have to file with the LIT.

Ready to Take the First Step?

Join our study and get connected with a licensed insolvency trustee who can help you explore your debt relief options. The eligibility check takes less than a minute.