
π‘ How Does the Debt Journey Companion Guide & Toolkit Work?
This is more than just a course β itβs a step-by-step system designed to walk with you through 21 days of intentional, empowering action that reshapes how you feel, think, and act around debt.
Over the next 3 weeks, youβll move through:
π§ Mindset Reset
Acknowledge the emotional impact of debt β including stress, fear, anxiety, and shame β and begin to shift your perspective with support, compassion, and clarity.
πΏ Healthy Coping Mechanisms
Learn proven tools to manage emotional triggers so you can respond to financial stress with calm, strength, and clarity β rather than fear or avoidance.
π€ A Supportive Community
Youβll be invited to join a network of others who understand what youβre going through. These connections help replace isolation with understanding β and help you realize you are never alone.
ποΈ Regular Check-ins & Weekly Strategies
With weekly prompts and focus areas, youβll always know what to do, why it matters, and how to do it β with guidance every step of the way.
β Guaranteed Confidence & Clarity
Youβll finish the 21 days feeling more courageous, more focused, and ready to take action β fully prepared to speak with a Licensed Insolvency Trustee (LIT) and move toward your financial fresh start.
β€οΈ Hand in Hand & Heart to Heart β‘
This guide was created from lived experience β not just theory. We are walking beside you, not above you. This is the heart of our businessβ connection, courage, and lasting change.
π It starts with one decisionβ¦
Are you ready to start over β without shame, without fear, and without judgment?
Are you ready to trust the process and step forward into something better?
π Letβs take that first step together.
This Is Your Invitation - YOU SHOULD TAKE IT.

Several fees make up the total cost to file a consumer proposal in Canada which are included in the proposal and absorbed by the creditors not added to your debt, including the Filing Fee ($105), Financial Counselling Fees (2 sessions at $85 each for a total of $170) and Administration fees that can run upwards of $1500. These limits are subject to change.
Listen to Derek Chase, a Trusted Licensed Insolvency Trustee expert sharing information on Consumer insolvencies in Canada on the rise. Many Canadians are reaching a point where they can no longer stay current with their debt load.
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