Debt Relief in Nunavut: Your Rights, Consumer Proposals & Bankruptcy (2026)

Nunavut has a 6-year limitation period and some of Canada’s strongest wage garnishment protections, with minimum exemptions of $1,500 per month plus $300 per dependent. Understanding your territorial rights and exploring debt relief options like consumer proposals can provide faster resolution than waiting for the statute of limitations to expire.

Your Debt Relief Rights in Nunavut

Nunavut provides specific legal protections for residents dealing with debt. The territory maintains a 6-year statute of limitations on most debts, matching Northwest Territories and Yukon. Creditors must commence legal action within 6 years of your last payment or written acknowledgment.

The territory has among Canada’s strongest wage garnishment protections, recognizing the high cost of Northern living. Seventy percent of wages are exempt from garnishment, with a generous minimum exemption of $1,500 per month for single individuals, plus $300 for each dependent. The maximum exemption reaches $3,500 per month plus $3,000 per dependent—substantially higher than any other jurisdiction.

Territorial consumer protection falls under Community and Government Services, which handles complaints about collection agencies. However, debt relief options like consumer proposals and bankruptcy operate under federal law and work identically across all provinces and territories.

How Long Can Creditors Sue for Debt in Nunavut?

Nunavut maintains a 6-year limitation period for most debts. The clock starts from the date of your last payment or written acknowledgment.

Territorial Comparison

All three territories maintain the 6-year limitation period, while most provinces shortened theirs to 2 years. This means creditors in Nunavut have three times longer to pursue legal action than in Ontario or Alberta.

What Statute-Barred Means

After 6 years without payment or acknowledgment, debts become statute-barred. Creditors can no longer sue you or obtain court judgments. However, statute-barred debts remain on your credit report for 6 years from last activity, and creditors can still contact you requesting payment—they simply cannot take legal enforcement action.

Making any payment or acknowledging the debt in writing resets the entire 6-year period to zero. Even small partial payments restart the limitation clock.

Wage Garnishment Rules in Nunavut

Nunavut has among the strongest wage protections in Canada, with both percentage exemptions and generous minimum thresholds.

Nunavut’s Generous Exemptions

The territory protects 70% of wages from garnishment, with additional minimum and maximum exemptions:

• Minimum exemption: $1,500 per month plus $300 per dependent
• Maximum exemption: $3,500 per month plus $3,000 per dependent
• Standard protection: 70% of gross wages

Protection by Family Situation

The high maximum exemption means a parent with two children could have up to $9,500 per month protected from garnishment ($3,500 + $3,000 + $3,000). This recognizes that Northern living costs are substantially higher than southern Canada.

Practical Impact

Given Nunavut’s high exemptions, many residents are largely protected from wage garnishment. However, the 6-year limitation period still means creditors can:

• Continue collection calls for 6 years
• Threaten legal action for 6 years
• Impact your credit report
• Create ongoing financial stress and uncertainty

Use the wage garnishment calculator to estimate protection levels, though Nunavut’s generous minimums often exceed standard percentage calculations.

What Debt Collectors Can and Cannot Do in Nunavut

Territorial consumer protection operates under Community and Government Services.

Collection Agency Conduct Requirements

Collectors operating in Nunavut must:

• Properly identify themselves and the creditor they represent
• Provide accurate information about the debt amount
• Follow reasonable contact time restrictions
• Not use harassment, threats, or intimidation
• Not misrepresent their legal authority or consequences

Your Rights

Nunavut residents have the right to:

• Request all communication be in writing
• Dispute the debt and request verification
• Raise the 6-year limitation period as a defence if sued after the period expires
• File complaints about unfair practices with Community and Government Services

Collectors cannot contact your employer about your debt except to verify employment or serve legal garnishment documents after obtaining a court judgment. Discussing your debt with your employer violates territorial consumer protection rules.

Debt Relief Options in Nunavut

Even with Nunavut’s strong wage protections, active debt relief often provides better outcomes than waiting 6 years for statute-barred status.

Why Active Relief Still Makes Sense

Consumer proposals and other debt relief options provide certainty, immediate creditor protection, and often reduce total debt by 60-80%.

Consumer Proposals in Nunavut

A consumer proposal is a federally-regulated debt relief option that reduces your total debt by 60-80% while providing immediate legal protection from creditors.

How Consumer Proposals Work

You work with a Licensed Insolvency Trustee to make a formal offer to creditors—typically 30-35 cents per dollar owed. If creditors representing the majority of your debt accept the proposal, all creditors are bound by the agreement. You make fixed monthly payments for up to 5 years, then receive legal discharge of the remaining debt.

Nunavut Consumer Proposal Considerations

Average Nunavut debt is approximately $42,000, with most residents paying 30-35 cents per dollar in consumer proposals. Northern cost-of-living expenses—including food, housing, and heating costs—are factored into payment calculations.

When Proposals Make Sense

Even with Nunavut’s strong wage protection, consumer proposals benefit you when:

• You want to stop collection calls immediately
• You want to reduce total debt by 60-80%, not just defer it
• Credit card interest is accumulating faster than you can pay
• You want certainty rather than 6 years of uncertainty
• You need to rebuild credit sooner (proposals removed after 3 years vs 6 years for unpaid debts)

The consumer proposal calculator estimates your potential monthly payment based on total unsecured debt.

Remote Access

Licensed Insolvency Trustees serve all 25 Nunavut communities through:

• Video consultations – Free initial meetings via videoconference
• Phone consultations – For areas with limited internet
• Electronic document signing – Complete process without mailing documents
• Ongoing support – Communication by phone and email throughout the process

You can complete the entire consumer proposal process from your community—no travel to Iqaluit or southern Canada required.

Bankruptcy in Nunavut

Bankruptcy is a federal debt relief option that eliminates most debts but involves surrendering non-exempt assets.

When Bankruptcy Makes Sense

Bankruptcy may be appropriate when you:

• Have no significant assets to protect
• Owe more than $250,000 in unsecured debt (consumer proposal limit)
• Cannot afford even a reduced consumer proposal payment
• Face immediate financial crisis with no income to make payments

Discharge and Credit Impact

Federal surplus income thresholds (approximately $2,543/month for a single person in 2026) determine whether you must make surplus income payments during bankruptcy. First-time bankruptcy results in discharge after 9 months without surplus income, or 21 months with surplus income.

Bankruptcy creates an R9 rating on your credit report for 6 years after discharge—substantially longer than a consumer proposal’s 3-year reporting period.

Provincial exemptions determine which assets you can keep. These typically include basic household goods, work tools, and essential items for Northern living.

Other Debt Relief Options in Nunavut

Beyond consumer proposals and bankruptcy, several alternatives exist depending on your situation.

Debt Consolidation

Debt consolidation combines multiple debts into a single loan with lower interest. This works if you have good credit (typically 650+ score) and stable income, but provides no debt reduction—you repay the full amount over time.

Credit Counselling

Non-profit credit counselling agencies offer debt management plans where you repay 100% of debt at reduced or zero interest. This requires consistent income and typically takes 3-5 years. Unlike consumer proposals, these are voluntary agreements that creditors can exit at any time.

Choosing the Right Option

Use the debt relief comparison tool to evaluate which option best matches your financial situation, debt level, and goals.

Finding Licensed Insolvency Trustees in Nunavut

Licensed Insolvency Trustees (LITs) are federally-regulated professionals authorized to administer consumer proposals and bankruptcies. Search the Office of the Superintendent of Bankruptcy’s LIT directory to find trustees serving Nunavut.

Where LITs Operate

LITs serve Nunavut through:

• Iqaluit – Capital, most accessible for in-person services
• Rankin Inlet – Kivalliq region
• Cambridge Bay – Kitikmeot region
• All 25 communities – Via video and phone consultation

How Remote Services Work

Nunavut’s unique geography—25 fly-in communities spread across a vast territory—requires fully remote-accessible services. Licensed Insolvency Trustees provide:

1. Free video consultations – Initial assessment and ongoing meetings
2. Phone consultations – For communities with limited internet
3. Electronic document signing – Secure digital signing eliminates mailing delays
4. Email and phone support – Regular communication throughout the process
5. Certificate by mail – Completion certificate sent once proposal finished

Distance is not a barrier to accessing debt relief services. You complete the entire process from your community without costly travel to Iqaluit or southern Canada.

The first consultation is always free. Trustees assess your situation and explain which debt relief option fits your needs. All LITs charge the same government-regulated fees.

How to Report Collection Agency Violations

If a collection agency violates territorial rules, file a complaint with Community and Government Services.

Filing a Complaint

Document all collection contacts:

• Date and time of each contact
• Name of collector and agency
• What was said or written
• Any threats, harassment, or misrepresentations

Contact Community and Government Services at 1-867-975-5400. The agency investigates violations and can take action against collectors who break territorial consumer protection rules.

Next Steps for Nunavut Residents

Nunavut has some of Canada’s strongest wage protections with minimum exemptions of $1,500 plus $300 per dependent. However, consumer proposals still offer advantages: immediate end to collection calls, 60-80% debt reduction, and certainty rather than 6 years of uncertainty. With full remote access from all 25 communities via video and phone, Licensed Insolvency Trustees make debt relief accessible without costly travel.

Take Action Today

Start by exploring your options:

• Calculate Your Consumer Proposal Payment – See potential monthly payments in 2 minutes
• Compare All Debt Relief Options – Evaluate consumer proposals, bankruptcy, and alternatives
• Understand Limitation Periods – Learn how statute-barred debts work across Canada
• Find a Licensed Insolvency Trustee – Book a free remote consultation from any Nunavut community

---

# 5. yukon.md

```markdown
***
title: "Debt Relief in Yukon: Your Rights, Options & How to Get Help (2026)"
description: "Debt relief in Yukon: your rights (6-year limitation, 70% wage protection with $2,000 minimum), consumer proposals, bankruptcy, and finding LITs in Whitehorse."
province_name: "Yukon"
province_code: "YT"
province_type: "territory"
date: 2026-02-02
updated: 2026-02-02
schema_type: "Article"

quick_facts:
  limitation_period: "6 years"
  wage_garnishment: "70% exempt ($2,000+ minimum as of 2024)"
  regulator: "Yukon Consumer Services"
  credit_report_duration: "6 years from last activity"

limitation:
  period: "6 years"
  start_trigger: "Date of last payment or written acknowledgment"
  legislation_url: "https://legislation.yukon.ca/"

wage_garnishment:
  exempt_percent: 70
  max_garnishment_percent: 30
  minimum_exempt: "$2,000 per month (single debtor); increases with dependents"
  legislation_url: "https://legislation.yukon.ca/legislation/page_g.html"

regulator:
  name: "Yukon Consumer Services"
  url: "https://yukon.ca/en/doing-business/consumer-protection"
  phone: "1-867-667-5111"
  complaint_url: "https://yukon.ca/en/doing-business/consumer-protection"

resources:
  - name: "Yukon Consumer Protection Act"
    url: "https://yukon.ca/en/doing-business/consumer-protection"
  - name: "Yukon Garnishee Act"
    url: "https://legislation.yukon.ca/legislation/page_g.html"
  - name: "Find a Licensed Insolvency Trustee"
    url: "https://www.ic.gc.ca/app/scr/tds/web/?lang=eng"

related_provinces:
  - name: "British Columbia"
    url: "/provinces/british-columbia/"
  - name: "Northwest Territories"
    url: "/provinces/northwest-territories/"
  - name: "Nunavut"
    url: "/provinces/nunavut/"

related:
  - title: "Consumer Proposal Calculator"
    url: "/calculators/consumer-proposal/"
  - title: "Wage Garnishment Calculator"
    url: "/calculators/wage-garnishment/"
  - title: "Compare Debt Relief Options"
    url: "/solutions/comparison/"
  - title: "What Is a Consumer Proposal?"
    url: "/blog/what-is-consumer-proposal-canada/"
  - title: "Statute of Limitations by Province"
    url: "/blog/statute-of-limitations-debt-canada/"

major_cities:
  - name: "Whitehorse"
    url: "#"
  - name: "Dawson City"
    url: "#"
  - name: "Watson Lake"
    url: "#"

faqs:
  - q: "How long can a creditor pursue debt in Yukon?"
    a: "Yukon has a 6-year limitation period for most debts. This is three times longer than neighbouring British Columbia's 2-year limit. Creditors have 6 years from your last payment to commence legal action, giving them significantly more time to pursue debt than in BC or Alberta."
  
  - q: "How much of my wages can be garnished in Yukon?"
    a: "Yukon protects 70 percent of wages from garnishment. As of August 2024, the minimum exemption is two thousand dollars per month for a single person, increasing with dependents. The territory also exempts a personal vehicle, primary residence, and tools or equipment for hunting, trapping, or fishing."
  
  - q: "How does Yukon compare to British Columbia for debt collection?"
    a: "While both have 70 percent wage protection, Yukon's 6-year limitation period is three times longer than BC's 2 years. This means creditors have much more time to sue you in Yukon. However, Yukon's new wage exemption minimums effective 2024 are more generous than BC."
  
  - q: "Can a debt collector call my employer in Yukon?"
    a: "Collectors cannot contact your employer to discuss your debt. They may only verify employment or serve legal garnishment documents after a court judgment. Calling your workplace about your debt is prohibited under the Consumer Protection Act."
  
  - q: "What happens to my credit if I file a consumer proposal in Yukon?"
    a: "A consumer proposal results in an R7 rating on your credit report for the included debts. This notation remains for 3 years after you complete your final payment or 6 years from filing date, whichever comes first, then is removed from Equifax and TransUnion."
  
  - q: "Can I stop wage garnishment in Yukon?"
    a: "Yes. Filing a consumer proposal immediately halts all wage garnishments through a federal stay of proceedings. This protection takes effect the moment your proposal is filed with a Licensed Insolvency Trustee and stops garnishment within 24 to 48 hours."
  
  - q: "How can I access debt relief services in Yukon's remote communities?"
    a: "Licensed Insolvency Trustees serve all Yukon communities through video consultations. Many BC-based trustees also serve Yukon clients, giving you multiple options whether you are in Whitehorse, Dawson City, or Watson Lake. Electronic document signing makes services fully accessible."
***

Yukon has a 6-year limitation period for debt collection—three times longer than neighbouring British Columbia's 2-year limit. Understanding your territorial rights and exploring debt relief options like consumer proposals can provide faster resolution than waiting for debts to become statute-barred.

## Your Debt Relief Rights in Yukon

Yukon provides specific legal protections for residents dealing with debt. The territory maintains a 6-year statute of limitations on most debts, matching Northwest Territories and Nunavut but contrasting with neighbouring British Columbia's 2-year period. Creditors must commence legal action within 6 years of your last payment or written acknowledgment.

Yukon protects 70% of wages from garnishment, with new minimum exemptions introduced in August 2024. The current minimum exemption is $2,000 per month for single debtors, increasing with dependents. This represents a significant increase from the previous $600 minimum and includes an evergreen clause that adjusts annually with the Consumer Price Index.

Territorial consumer protection operates under [Yukon Consumer Services](https://yukon.ca/en/doing-business/consumer-protection), which licenses collection agencies and handles complaints. However, debt relief options like consumer proposals and bankruptcy operate under federal law and work identically across all provinces and territories.

## How Long Can Creditors Sue for Debt in Yukon?

Yukon maintains a 6-year limitation period for most debts under territorial limitations legislation. The clock starts from the date of your last payment or written acknowledgment.

### Yukon vs British Columbia Comparison

| Jurisdiction | Limitation Period | Difference |
|--------------|------------------|------------|
| Yukon | 6 years | — |
| British Columbia | 2 years | 4 years shorter |
| Alberta | 2 years | 4 years shorter |
| Northwest Territories | 6 years | Same |
| Nunavut | 6 years | Same |

Yukon's 6-year limitation period gives creditors triple the time to pursue legal action compared to BC. This is particularly relevant if you moved from BC to Yukon—creditors may gain additional time to sue, though specific rules depend on when the debt originated and where you lived at the time. Consult a legal professional for your specific situation.

### What Statute-Barred Means

After 6 years without payment or acknowledgment, debts become statute-barred. Creditors can no longer sue you or obtain court judgments for wage garnishment. However, statute-barred debts remain on your credit report for 6 years from last activity, and creditors can still contact you requesting payment—they simply cannot take legal enforcement action.

Making any payment or acknowledging the debt in writing resets the entire 6-year period to zero. Even small partial payments restart the limitation clock.

## Wage Garnishment Rules in Yukon

The [Yukon Garnishee Act](https://legislation.yukon.ca/legislation/page_g.html) protects 70% of wages from garnishment, with significant minimum exemptions introduced in August 2024.

### New 2024 Wage Exemption Policy

Effective August 29, 2024, Yukon implemented new wage exemption rules:

- **Minimum exemption**: $2,000 per month for single debtor
- **Dependent increases**: Additional amounts for dependents
- **Evergreen clause**: Automatic annual adjustment with Consumer Price Index
- **Asset exemptions**: Personal vehicle, primary residence, hunting/trapping/fishing equipment

This represents a substantial increase from previous minimums ($600 for single individuals, $1,000 plus $150 per dependent). The evergreen clause ensures exemptions keep pace with cost of living increases.

### Comparing Yukon to Nearby Jurisdictions

| Jurisdiction | Wage Exemption | Minimum Protected | Asset Exemptions |
|--------------|---------------|------------------|------------------|
| Yukon | 70% | $2,000+ (2024) | Vehicle, home, tools |
| British Columbia | 70% | None specified | Limited |
| Alberta | 50% | None specified | Limited |
| Northwest Territories | 70% | None specified | Limited |
| Nunavut | 70% | $1,500+ per month | Limited |

Yukon's 2024 policy provides stronger protection than BC or Alberta, with generous minimums second only to Nunavut among the territories.

### Example Garnishment Calculations

| Monthly Net Wages | 70% Exempt | $2,000 Minimum | Protected Amount |
|------------------|-----------|---------------|------------------|
| $2,500 | $1,750 | $2,000 | $2,000 (minimum applies) |
| $3,500 | $2,450 | $2,000 | $2,450 (70% higher) |
| $5,000 | $3,500 | $2,000 | $3,500 (70% higher) |

For lower-income workers, the $2,000 minimum provides stronger protection than the 70% percentage. Higher earners benefit from the 70% calculation.

Use the [wage garnishment calculator](/calculators/wage-garnishment/) to estimate protection levels based on your income.

## What Debt Collectors Can and Cannot Do in Yukon

Collection agencies operating in Yukon must follow the Consumer Protection Act and maintain licensing through Yukon Consumer Services.

### Prohibited Practices

Under Yukon regulations, collectors cannot:
- Harass, threaten, or intimidate you
- Use abusive or profane language
- Misrepresent the debt amount or legal consequences
- Contact you at unreasonable times (typically outside 7am-9pm weekdays)
- Discuss your debt with unauthorized third parties
- Make false claims about legal action
- Contact your employer except to verify employment or serve legal documents

### Your Rights

Yukon residents have the right to:
- Request all communication be in writing
- Dispute the debt and request verification
- Raise the 6-year limitation period as a defence if sued after the period expires
- File complaints about violations with Yukon Consumer Services

Collectors cannot contact your employer to discuss your debt. They may only verify employment status or serve garnishment documents after obtaining a court judgment.

## Debt Relief Options in Yukon

Given Yukon's 6-year limitation period, residents facing unmanageable debt should consider active relief options rather than waiting for statute-barred status.

### Why Waiting 6 Years Rarely Makes Sense

| Waiting 6 Years | Filing a Consumer Proposal |
|-----------------|---------------------------|
| 6 years of collection calls | Calls stop immediately |
| Risk of lawsuit for 6 years | Legal protection from day one |
| Full debt remains | Debt reduced 60-80% |
| Credit rebuilding delayed | Begin rebuilding sooner |
| Potential 30% wage garnishment | No garnishment allowed |

Even with Yukon's strong 2024 wage protections, six years of collection activity and credit damage creates more financial harm than the manageable impact of a formal debt relief solution.

## Consumer Proposals in Yukon

A [consumer proposal](/solutions/consumer-proposal/) is a federally-regulated debt relief option that reduces your total debt by 60-80% while providing immediate legal protection from creditors.

### How Consumer Proposals Work

You work with a Licensed Insolvency Trustee to make a formal offer to creditors—typically 30-35 cents per dollar owed. If creditors representing the majority of your debt accept the proposal, all creditors are bound by the agreement. You make fixed monthly payments for up to 5 years, then receive legal discharge of the remaining debt.

### Yukon Consumer Proposal Considerations

| Factor | Yukon Impact |
|--------|-------------|
| Higher Northern wages | May affect payment calculation |
| Higher living costs | Trustees consider Northern expenses |
| BC-connected services | Many BC trustees serve Yukon clients |
| 6-year limitation | Proposals provide faster resolution |

Average Yukon debt is approximately $42,000, with most residents paying 30-35 cents per dollar in consumer proposals. Monthly payments typically range from $300-400. Northern cost-of-living expenses are factored into payment calculations.

### Benefits of Filing

Consumer proposals provide immediate advantages:
- **Immediate stay of proceedings** stops all collection activity, lawsuits, and wage garnishments
- **Keep all assets** including home, vehicle, savings, and investments
- **Fixed payments** based on what you can afford, not the full debt
- **Accessible services** from Whitehorse or remotely via video
- **Less severe credit impact** than bankruptcy (R7 rating vs R9)

In Whitehorse and throughout Yukon, residents can access debt relief services through Licensed Insolvency Trustees who provide free initial consultations in person or via video.

The [consumer proposal calculator](/calculators/consumer-proposal/) estimates your potential monthly payment based on total unsecured debt.

## Bankruptcy in Yukon

[Bankruptcy](/solutions/bankruptcy/) is a federal debt relief option that eliminates most debts but involves surrendering non-exempt assets.

### When Bankruptcy Makes Sense

Bankruptcy may be appropriate when you:
- Have no significant assets to protect
- Owe more than $250,000 in unsecured debt (consumer proposal limit)
- Cannot afford even a reduced consumer proposal payment
- Face immediate financial crisis with no income

### Discharge and Credit Impact

Federal surplus income thresholds (approximately $2,543/month for a single person in 2026) determine whether you must make surplus income payments during bankruptcy. First-time bankruptcy results in discharge after 9 months without surplus income, or 21 months with surplus income.

Bankruptcy creates an R9 rating on your credit report for 6 years after discharge—substantially longer than a consumer proposal's 3-year reporting period.

Yukon's 2024 exemption policy protects a personal vehicle, primary residence, and hunting/trapping/fishing equipment—essential assets for Northern living.

## Other Debt Relief Options in Yukon

Beyond consumer proposals and bankruptcy, several alternatives exist depending on your situation.

### Debt Consolidation

[Debt consolidation](/solutions/debt-consolidation/) combines multiple debts into a single loan with lower interest. This works if you have good credit (typically 650+ score) and stable income, but provides no debt reduction—you repay the full amount over time.

### Credit Counselling

Non-profit [credit counselling](/solutions/credit-counselling/) agencies offer debt management plans where you repay 100% of debt at reduced or zero interest. This requires consistent income and typically takes 3-5 years. Unlike consumer proposals, these are voluntary agreements that creditors can exit at any time.

### Choosing the Right Option

Use the [debt relief comparison tool](/solutions/comparison/) to evaluate which option best matches your financial situation, debt level, and goals.

## Finding Licensed Insolvency Trustees in Yukon

Licensed Insolvency Trustees (LITs) are federally-regulated professionals authorized to administer consumer proposals and bankruptcies. Search the [Office of the Superintendent of Bankruptcy's LIT directory](https://www.ic.gc.ca/app/scr/tds/web/?lang=eng) to find trustees serving Yukon.

### Where LITs Operate

LITs serve Yukon through:
- **Whitehorse** – Capital with main concentration of in-person services
- **Dawson City** – Northern Yukon
- **Watson Lake** – Southern Yukon
- **All communities** – Via video consultation

### BC-Based Trustees Serve Yukon

Many British Columbia-based Licensed Insolvency Trustees also serve Yukon clients, providing multiple options for residents. This connection gives Yukon residents access to a broader range of trustees than population size alone would support.

### How Remote Services Work

You do not need to be in Whitehorse to access debt relief services. Licensed Insolvency Trustees serve remote Yukon communities through:

1. **Video consultations** – Free initial meetings via videoconference
2. **Phone consultations** – For areas with limited internet
3. **Electronic document signing** – Complete process without mailing documents
4. **In-person visits** – Some trustees travel to Yukon communities periodically

The first consultation is always free. Trustees assess your situation and explain which debt relief option fits your needs. All LITs charge the same government-regulated fees.

## How to Report Collection Agency Violations

If a collection agency violates territorial rules, file a complaint with Yukon Consumer Services.

### Filing a Complaint

Document all collection contacts:
- Date and time of each contact
- Name of collector and agency
- What was said or written
- Any threats, harassment, or misrepresentations

Contact [Yukon Consumer Services](https://yukon.ca/en/doing-business/consumer-protection) at 1-867-667-5111 or through their website. The agency investigates violations and can take action against collectors who break territorial consumer protection rules.

## Next Steps for Yukon Residents

Yukon's 6-year limitation period is three times longer than British Columbia's 2-year limit, giving creditors significantly more time to pursue legal action. Consumer proposals provide immediate relief with 60-80% debt reduction and legal protection from garnishment. With Yukon's new 2024 wage exemption policy protecting $2,000 minimum per month for single debtors, combined with accessible services in Whitehorse and via video consultation, Yukoners have strong protections and accessible debt relief options.

### Take Action Today

Start by exploring your options:
- **[Calculate Your Consumer Proposal Payment](/calculators/consumer-proposal/)** – See potential monthly payments in 2 minutes
- **[Compare All Debt Relief Options](/solutions/comparison/)** – Evaluate consumer proposals, bankruptcy, and alternatives
- **[Understand Limitation Periods](/blog/statute-of-limitations-debt-canada/)** – Learn how statute-barred debts work across Canada
- **[Find a Licensed Insolvency Trustee](https://www.ic.gc.ca/app/scr/tds/web/?lang=eng)** – Book a free consultation in Whitehorse or via video