Debt Relief Resources
At Fresh Start Now, our mission is to provide you with the knowledge and resources you need to achieve your debt-free financial goals. Explore our free resources to help you with budgeting, saving, credit management, and paying down debt.
FREE BUDGETING TOOLS
Utilize our free worksheets to help you manage your monthly and daily spending and savings.
Goals Worksheet
Bi-weekly Paycheck Planner
Does Your Money Have Wings?
Yearly Calendar of Expenses
Budgeting Worksheet
FAQS
Our Frequently Asked Questions will answer the most common questions about the process of claiming bankruptcy and consumer proposals.
Bankruptcy FAQs
Consumer Proposal FAQs
LATEST BLOG POSTS
Find the latest news and tips from our Licensed Insolvency Trustees to help you take control of your finances and get out of debt.
HELPFUL LINKS
These additional links will guide you on your journey towards debt relief.
Office of the Superintendent of Bankruptcy
Office of the Superintendent of Bankruptcy Insolvency Counselling Program – Budgeting and Planning for the Future
Trans Union for a free consumer disclosure report
Equifax for a free credit report
Consumer Protection Ontario for complaints against collection agencies
Canada Revenue Agency (filing and paying taxes)
Financial Consumer Agency of Canada (financial tools and calculators)
CAMH (resource for problem gambling)
Financial Consumer Agency of Canada (credit card payment calculator)
Financial Consumer Agency of Canada (Budget planner)
Office of the Superintendent of Bankruptcy (videos discussing several topics – What to Expect if you File for Bankruptcy, Understanding the Bankruptcy Discharge)
Alcohol, Drug and Gambling Services (services offered in Hamilton, ON)
OLG Self Exclusion Program
City of Hamilton Housing Emergency Loan Program (short term interest free loan for rent)
