CollectorHQ
Find Your Fastest Path Out of Debt
Take our proven assessment to discover which debt relief solution can save you the most money. Over 12,000 Canadians have found their way forward.
You're facing tough decisions about your financial future. We get it—you want to protect what you've built, stop the harassment, and finally breathe again. Our quiz analyzes your unique situation across 10 key factors to match you with the debt relief strategy proven to work for people in your exact circumstances.
Your Fresh Start Bundle
Keep Your Home, Eliminate the Harassment
You've built something worth protecting. Your assessment shows you qualify for consumer proposal relief—the legal solution that lets homeowners eliminate 60-80% of their debt without losing their house.
Your Situation Summary
Your Financial Freedom Journey
Follow these steps to transform your finances
Why This Solution Fits Your Situation
What If I Do Nothing?
Your current creditor pressure will escalate. With your home equity, creditors can force a sale to recover debt. A consumer proposal freezes this process legally and permanently.
Compare Your Options
| Factor | Consumer Proposal | Bankruptcy |
|---|---|---|
| Debt Reduction | 60-80% eliminated | 100% eliminated |
| Home Equity | 100% protected | Only $10,783 protected (ON) |
| Monthly Cost | $347 fixed | Surplus income + asset loss |
| Timeline | 3-5 years | 9-21 months |
| Credit Rating | R7 (removed 3 years after) | R9 (removed 6-7 years after) |
✅ Used by 12,000+ Canadians | Average savings: $28,000
Common Questions About Your Results
Ready to Start Your Journey?
Take the first step today—most Canadians feel relief within 24 hours of booking their consultation.
Read: Consumer Proposal Complete Guide →You're halfway through!
Enter your email to receive your personalized debt relief plan (PDF)
- Your recommended solution
- Estimated monthly payment
- Potential savings calculation
- Next 3 action steps
Check your email!
We've sent your personalized report. Continue the quiz to see your results.
Your 3-Step Journey to Debt Freedom
Our algorithm evaluates your debt, assets, income, creditor pressure, credit score, and goals—then matches you with a personalized action plan.
Take the 10-Question Assessment
Answer simple questions about your debt, income, and goals. No math required—we calculate everything for you.
Get Your Personalized Package
See exactly how much debt you can eliminate, which assets you'll keep, and your estimated timeline and costs.
Follow Your Custom Action Plan
Each step includes specific providers to contact, exactly what to say, and what to expect. Track your progress to freedom.
"I thought bankruptcy was my only option. The quiz showed me I qualified for a consumer proposal—I kept my house, paid 35 cents on the dollar, and I'm debt-free in 4 years."
Why Trust CollectorHQ?
Takes 2 minutes • No credit check • Instant results