Debt Relief Options in Winnipeg
If you live in Winnipeg and can't keep up with your debts, you have the same legal options as every Canadian — a consumer proposal or bankruptcy filed through a Licensed Insolvency Trustee, a debt management plan through non-profit credit counselling, or a consolidation loan — plus protections under Manitoba law when collectors call.
Your options in Winnipeg
Consumer proposal
Pay back part of your unsecured debt over up to 5 years. Total debts up to $250,000 (excluding your home mortgage).
Bankruptcy
Release most unsecured debt; a first bankruptcy usually lasts 9 months (21 with surplus income).
Consolidation or credit counselling
Repay the full principal in one payment, ideally at a lower rate.
Talk to a trustee
Most Licensed Insolvency Trustees serving Winnipeg offer a free first consultation.
Manitoba rules that affect Winnipeg residents
- Collection agency regulator
- Collection agencies contacting you in Winnipeg must be licensed by Manitoba Consumer Protection Office, which also takes complaints about harassment or misleading collection practices.
- Governing law
- Consumer Protection Act (collection agency provisions).
- Limitation period
- Limitation periods for consumer debt in Manitoba differ from most provinces — confirm with Manitoba Consumer Protection Office or a legal clinic before paying an old debt.
Read the full guide to your rights with collection agencies →
Find a Licensed Insolvency Trustee near Winnipeg
Only a Licensed Insolvency Trustee can file a consumer proposal or bankruptcy. The federal Office of the Superintendent of Bankruptcy keeps the official list — search it by city to find trustees serving Winnipeg, and check any firm's licence before you sign.
Office of the Superintendent of Bankruptcy