The Own Your Payoff Program is a guided plan that helps you reduce debt on your own, using budgeting and snowball methods, and education, to provide you the tools and support to avoid formal insolvency.
One-on-one guidance to build a realistic budget, track spending, and create healthy money habits. This service helps clients stay accountable and avoid falling back into debt after starting their repayment journey.
Conducted with a William Hayes Group Counsellor, or through E-Learning, William Hayes Group provides literacey related to debt repayment methods, budgetting, credit rebuilding, and more.
Administered by a Licensed Insolvecny Trustee, A Consumer Proposal can allow you to repay a portion of what you owe, in manageable monthly payments over 5 years.
Also administered by a Licensed Insolvency Trustee, a Bankruptcy is a method of getting rid of your debts, when a Consumer Proposal is unaffordable, or would be too expensive.
A Debt Management Plan (DMP) is an informal agreement made through a credit counsellor, where your unsecured debts are consolidated into one monthly payment.
We provide education, guidance, and financial accountability services to help Canadians better manage their debt and financial situation. We do not administer Consumer Proposals or Bankruptcies — these services can only be provided by a Licensed Insolvency Trustee (LIT). Our fees are limited to services we deliver directly, such as budgeting support and accountability programs, and we do not charge for any service that must be administered by an LIT.