CollectorHQ
Free Debt Relief Assessment Tool for Canadians
Discover which debt relief option — consumer proposal, bankruptcy, or consolidation — saves you the most money. Answer 10 simple questions. Get your personalized plan instantly.
Stop guessing. Our debt assessment tool analyzes your income, assets, debts, and province-specific rules to match you with the right debt relief strategy. Built by former collection industry professionals who know exactly how creditors think — and how to beat them.
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
Optional Next Step
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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.
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Read: Consumer Proposal Complete Guide →How the Debt Assessment Works
Our assessment evaluates your debt, assets, income, creditor pressure, credit score, and province-specific exemptions — 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