There are many options to deal with debt, but if it sounds too good to be true—it probably is. Ask questions and shop around to avoid paying unnecessary fees.

The Office of the Superintendent of Bankruptcy Canada has put together a host of useful tools around debt based on an individual's situation:

Your finances could be better and you would like some help.

Your finances are beginning to get out of control.

Your finances and your future are in serious trouble. 

Or, if you're not sure where to start you can begin by answering a short questionnaire or compare three possible debt solutions.