Printable debt checklists
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My learning checklist
Optional and local to this page. No account, upload or saved history. Exported files remain on your device. Completion is not proof of a legal or financial outcome. Do not include sensitive account information.
Before you meet a licensed insolvency trustee
- List every debt: creditor, balance, interest rate, monthly payment
- Last 3 months of pay stubs or income proof
- Most recent tax return and any CRA notices
- List of assets: home, vehicles, RRSP/TFSA, savings
- Monthly household budget
- Any collection letters or court papers
- Questions: proposal vs bankruptcy, fees, effect on credit
When a collection agency contacts you
- Ask for the agency's name, address and licence
- Ask for the original creditor, account number and balance in writing
- Note the date of your last payment on the debt
- Keep a log of every call
- Don't pay or sign anything until you've checked the details
- Check your province's collection rules on DebtDefender
- Report harassment to your provincial regulator
Monthly debt review
- Update balances on every account
- Check for new fees or rate changes
- Confirm minimum payments were made on time
- Put extra money toward one target debt
- Check your credit report for errors (free from Equifax and TransUnion)
- Re-check if your total debt is still falling