At the best of times, managing your debt can be a daunting task. However, you might be in better shape than you think. Whatever your situation, you may find the resources on this site helpful.

Do you think you have a good handle on your finances? Take a financial fitness quiz, developed by the Canadian Bankers Association, to find out what shape you are in. Then come back to get more information on managing your debt.

• Request to obtain my credit history report form from Equifax Canada - a credit reporting agency  (PDF - 20K) 
• Consumer Relations - Information form to request your credit report from Trans Union of Canada - a credit reporting agency
• Download the Declaration form and the Identity form to request your credit report from Northern Credit Bureaus Inc.
• Budgeting form to help you prepare your budget
• Credit Card Costs Calculator to help you determine the most convenient credit card to use
• Getting Value for your Service Fees
• Financial Service Charges Calculator to compare the monthly service charges of different bank accounts at various Canadian Financial Institutions
• Canadian Consumer Handbook a reference book to help consumers become more knowledgeable about their rights in the marketplace
• Managing Money - A guide to budgeting, credit use and avoiding money mishaps
• Dealing with Debt: A Consumer's Guide to help you recognize financial problems and to suggest possible solutions
• Credit - Handle with Care - information on understanding what having credit means and how to establish a credit history
• A Consumer's Guide to Collection Agencies for information on what collection agencies are and how to deal with them.

This service was developed in partnership with the Office of the Superintendent of Bankruptcy and the Ontario Association of Credit Counselling Services.