{"id":"u175","name":"Licensed Insolvency Trustees (consumer proposals and bankruptcy)","help":"direct","type":"referral","typeLabel":"Referral","what":"Licensed Insolvency Trustees are federally regulated professionals who help people with serious debt. They are the only ones allowed to arrange a consumer proposal (an offer to pay creditors part of what you owe, over up to five years) or a bankruptcy. The government says they typically do not charge for the first consultation. Find one near you with the official search.","forWhom":"People whose debts have become too much to repay.","cost":"First consultation usually free","tags":["debt","consumer proposal","bankruptcy","insolvency"],"topics":["debt","money","legal"],"place":{"label":"Canada-wide","country":"Canada","cc":"CA","region":null,"city":null,"scope":"country"},"website":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","sources":["https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/your-debts-are-getting-out-control","https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals"],"checked":"2026-10-06","added":"2026-10-05","verified":"checked","checkEvery":90,"deadline":null,"deadlineNote":null,"status":"listed","routes":[{"kind":"Find a trustee near you","url":"https://www.ic.gc.ca/app/osb/tds/search.html?lang=eng","value":null,"seen":"2026-10-05","source":"their own site"}],"primaryRoute":{"kind":"Find a trustee near you","url":"https://www.ic.gc.ca/app/osb/tds/search.html?lang=eng","value":null,"seen":"2026-10-05","source":"their own site"},"routeCount":1,"channels":[{"kind":"website","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","label":"Website","reach":null,"unit":null,"seen":"2026-10-05","source":"their own site"}],"spaceCount":1,"spacesSeen":"2026-10-05","phone":null,"contact":{"email":null,"url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","route":"Find a trustee near you"},"qualify":["Anyone in Canada with serious debt problems","A consumer proposal: debts up to $250,000"],"needs":["A list of your debts, income and costs"],"steps":["Search the official list for a trustee near you.","Book the first meeting, which is usually free.","Ask what each option would cost you before you decide."],"languages":["English","French"],"welcomes":[],"reachNum":null,"reachUnit":null,"reachKind":"none","reachSource":null,"reachSeen":null,"intents":{"reach":false,"grow":null,"job":false,"volunteer":false,"specialist":null,"opps":false,"housing":false,"money":true,"info":false,"marriage":false},"note":"For people who truly cannot pay their debts. A free non-profit credit counsellor can help you decide first.","page":"/o/licensed-insolvency-trustees-consumer-proposals-and-bankruptcy/","stale":false,"staleDays":0,"checkedNote":"Facts read from the source pages on 2026-10-06; spaces read from their site on 2026-10-05; re-checked every 90 days.","spaces":[{"kind":"website","label":"Website","url":"https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","reach":null,"unit":null,"seen":"2026-10-05","note":null}],"missing":["organization email (not published on their pages)","office phone (not published on the pages we read)","follower or subscriber counts (platform pages do not expose them to readers; ask the organization or check the platform)","what they welcome from outside parties (their pages do not say)","audience number for the organization as a whole (not public)"]}