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Declaring Bankruptcy in Ontario?

Too often people use debt to makes ends meet and it can get out of control quickly. Debt problems are much like health problems - if you ignore them, they can get worse. Get an objective point of view to help resolve your debt issues.
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Consumer Proposals

A Consumer Proposal is an offer to pay all of your unsecured creditors on payment terms you can afford. McLay can help assess your situation to see if a Proposal is right for you.
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Choosing bankruptcy as the best solution to your financial problems is not easy, but it can help you start again and relieve the pressure of severe debt. We'll help you understand all options so you can make the decision that's right for you.
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Credit Test icon Credit Test

Answer a few simple questions and our online credit test will give you tips and suggestions on how to help improve your current financial situation.

Debt Calculator icon Debt Calculator

Our handy online tool lets you quickly and easily calculate your debt repayment ability.

Budget Form icon Budget Form

Where does it all go? One of the ways to plan for a successful financial future is to understand where you are today. Use this form to help track your spending.

Contact Us icon Contact Us

Call 310-FREE (3733) or locally at 519-433-6703
Or email us at for a FREE assessment of your financial situation and get the help you need to free you from debt and let you start again.