Free · confidential

Debt feels overwhelming.Let's work out what your options could be.

Answer a few simple questions and we'll help you understand the next step — no pressure, nothing shared without your say-so.

Talk it through

Answer a few simple questions in your own words. No forms, no judgement.

Understand your options

We explain what a consumer proposal, bankruptcy and other options actually mean.

Decide with a professional

If it helps, a confidential assessment with a licensed trustee is the next step.

Ava

Debt help assistant · confidential

Online

Hi, I'm Ava. Whatever has brought you here, you're in the right place to understand your options. What's going on with your debt at the moment?

General information only · not legal or insolvency advice

What we understand

Waiting

Next step

Confidential assessment

Only what you've told Ava appears here. Nothing is assumed.

A licensed trustee is the only professional who can file a proposal for you.

Nothing you tell Ava is an application, and nothing happens without your agreement. An assessment is what establishes your real options.