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

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Biweekly Paycheck Planner

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Does Your Money Have Wings?

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Yearly Calendar of Expenses

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Budgeting Worksheet

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VIDEOS

Watch our collection of videos for tips and advice on how to tackle your personal and business debt.

How do I get a fresh start?

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What are my options?

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Why do I need a trustee?

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FAQS

Our FAQs will answer the most common questions about the process of claiming bankruptcy and consumer proposals.

Bankruptcy FAQs

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Consumer Proposal FAQs

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LATEST BLOG POSTS

Find the latest news and tips from our Licensed Insolvency Trustee to help you take control of your finances and get out of debt.

Published On: April 23rd, 2024
Is a Consumer Proposal a Loan?

Many people reach out to a Licensed Insolvency Trustee (“LIT”), thinking that we pay their debt in bankruptcy or that we provide a consolidation loan to pay off their debt in a [...]
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Published On: February 13th, 2024
Can you go bankrupt more than once?

The Bankruptcy and Insolvency Act (“BIA”) is the federal legislation that governs insolvency filings in Canada. There is nothing in the BIA that prevents an individual from filing bankruptcy any [...]
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Published On: February 8th, 2024
Can I file for bankruptcy if I am current on my debt payments?

To the surprise of many, it is not a requirement for you to be in arrears on your debt payments to file an assignment in bankruptcy or a consumer proposal. [...]
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HELPFUL LINKS

These additional links will guide you on your journey towards debt relief.

Office of the Superintendent of Bankruptcy

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Office of the Superintendent of Bankruptcy Insolvency Counselling Program – Budgeting and Planning for the Future

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Trans Union for a free consumer disclosure report

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Equifax for a free credit report

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Consumer Protection Ontario for complaints against collection agencies

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Canada Revenue Agency (filing and paying taxes)

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Financial Consumer Agency of Canada (financial tools and calculators)

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CAMH (resource for problem gambling)

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Financial Consumer Agency of Canada (credit card payment calculator)

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Financial Consumer Agency of Canada (Budget planner)

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Office of the Superintendent of Bankruptcy (videos discussing several topics – What to Expect if you File for Bankruptcy, Understanding the Bankruptcy Discharge)

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Alcohol, Drug and Gambling Services (services offered in Hamilton, ON)

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OLG Self Exclusion Program

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City of Hamilton Housing Emergency Loan Program (short term interest free loan for rent)

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