Debt Relief Resources

At Campbell Saunders, we believe that knowledge is a powerful tool in your journey toward financial freedom. That's why we've curated a comprehensive list of debt relief resources to assist you in your pursuit of a debt-free life. Whether you're seeking debt help, support, or information on managing your financial challenges, you'll find valuable resources here.

Money Management Resources

Consumer Protection BC: Empowering Your Rights

When it comes to safeguarding your rights as a consumer or ensuring your business operates ethically, knowledge is your best ally. Consumer Protection BC is a trusted authority dedicated to educating both consumers and businesses about their rights and responsibilities. From decision summaries on licensing issues to valuable information on handling collection calls, contract cancellations, and more, Consumer Protection BC provides a wealth of resources to empower you. Whether you're navigating a tricky contract, considering a high-cost loan, or simply need guidance, their website is an invaluable destination for insights and solutions. Explore their offerings and make informed choices for your financial well-being.

Visit Consumer Protection BC

Office of the Superintendent of Bankruptcy (OSB): Your Guide to Bankruptcy and Insolvency

When it comes to matters of bankruptcy and insolvency in Canada, the Office of the Superintendent of Bankruptcy (OSB) is your trusted source for information and guidance. Operating at arm's length from the Government of Canada within Innovation, Science and Economic Development Canada, the OSB plays a crucial role in administering the Bankruptcy and Insolvency Act (BIA) and certain responsibilities under the Companies Creditors Arrangement Act (CCAA). Their multifaceted role includes licensing and regulating the insolvency profession, ensuring the efficiency and effectiveness of the regulatory framework, supervising stakeholder compliance throughout the insolvency process, and maintaining public records and statistics. Whether you're in need of a licensed insolvency trustee, seeking to understand the bankruptcy process, or looking to access essential records, the OSB is your one-stop destination for comprehensive and authoritative information.

Visit the Office of the Superintendent of Bankruptcy

How to Apply for Your Discharge from Bankruptcy

Are you a declared bankrupt seeking to be released from your bankruptcy but haven't been granted a discharge? If your trustee is no longer responsible for making another discharge application, our "Discharge from Bankruptcy" guide is here to empower you to navigate this process independently. This comprehensive resource is designed for undischarged bankrupt individuals like you. It explains the legal process of obtaining a discharge, which forgives unpayable debts, and provides insights into the steps you need to take to achieve financial freedom. If you're in this situation, the responsibility now falls on you to pursue your discharge. Let our guidebook walk you through the necessary steps, putting you on the path toward a debt-free future.

Access the How to Apply for your Discharge from Bankruptcy Guide

Dial-A-Law: Your Gateway to Informed Consumer Choices

When it comes to consumer problems, managing finances, or navigating the complexities of purchasing and owning a car, knowledge is your greatest asset. Welcome to "Dial-A-Law," a comprehensive resource that equips you with the insights you need to make informed decisions. Buying a used car? Learn how to avoid hidden defects and dishonest sellers. Encountering issues with your vehicle after purchase? Discover your rights and the steps to take. Considering leasing a car? Understand the nuances between leasing and buying. Facing unexpected car repairs? Get tips to minimize complications and expenses. Additionally, "Dial-A-Law" covers essential topics like choosing a phone and plan, negotiating with cellphone providers, handling disputes with your phone bill, and even guidance on when and how to cancel or switch your phone contract. Whether it's consumer problems, money and debt issues, or car-related concerns, empower yourself with the knowledge to protect your rights and make the best choices for your situation.

Explore Dial-A-Law

CAIRP: Canadian Association of Insolvency and Restructuring Professionals

CAIRP is the Canadian Association of Insolvency and Restructuring Professionals, where expertise meets excellence in Canada's financial landscape. CAIRP serves as the pivotal hub for individuals and businesses facing financial difficulties, offering guidance through insolvency and restructuring. Their mission is to create a fair, transparent, and highly effective financial system for all Canadians.

Explore CAIRP

Financial Consumer Agency of Canada (FCAC): Safeguarding Your Financial Interests

The Financial Consumer Agency of Canada (FCAC) stands as a steadfast guardian of your rights and interests as a consumer of financial products and services. Charged with supervising federally regulated financial entities, including banks, FCAC ensures that these institutions adhere to the highest standards of fairness and transparency. More than just a regulatory body, FCAC is dedicated to bolstering the financial literacy of Canadians, empowering individuals and households to make informed decisions about their financial well-being. As a federal agency, FCAC plays a crucial role in maintaining the safety and strength of Canada's financial system, working tirelessly to protect and empower consumers. Whether you're looking to better understand your financial rights, seeking guidance on financial literacy, or simply interested in staying informed about the Canadian financial landscape, FCAC is your trusted resource.

Visit FCAC

MoneySense: Your Trusted Guide to Financial Success

MoneySense is your go-to destination for mastering the art of managing your money and building a brighter financial future. With a mission to empower individuals with the knowledge and tools they need to make informed financial decisions, MoneySense is your trusted partner on the path to financial success. Whether you're looking to grow your wealth, save for retirement, invest wisely, or simply gain a better understanding of personal finance, MoneySense offers a wealth of resources, articles, and expert advice to help you achieve your financial goals. From practical tips on budgeting and saving to in-depth analyses of investment strategies, MoneySense covers it all. Join our community of financially savvy individuals, and let us guide you toward financial independence and security.

Explore MoneySense

Financial Counselling Resources

Campbell Saunders' Counselling Handbook: Your Comprehensive Guide to Financial Well-Being

Discover the keys to mastering your financial journey with the "Counselling Handbook" by Campbell Saunders. This invaluable resource is your trusted companion in achieving financial stability and prosperity. Covering essential topics such as managing spending and shopping habits, creating effective spending plans, and building successful budgets, this handbook equips you with the knowledge and tools needed to take control of your finances. Explore insights into the responsible use of credit, recognize warning signs of overextension, and understand the true cost of credit. Whether you're looking to rebuild your credit or set meaningful financial goals, this handbook provides practical guidance. With easy-to-use worksheets and a list of valuable resources, it's your one-stop solution for achieving financial well-being. Empower yourself to make informed financial decisions and set yourself on the path to a more secure financial future.

Download Counselling Package

Campbell Saunders Counselling Session Worksheet: Your Path to Debt Relief

Are you ready to take charge of your financial future and work towards debt relief? Look no further than Campbell Saunders' Expense Report and Monthly Goals Worksheet. This powerful tool empowers you to gain full control of your finances by creating a detailed expense report and setting achievable monthly goals. By tracking your spending habits and identifying areas where you can cut back, you'll be one step closer to achieving financial stability. Additionally, setting monthly goals tailored to your unique situation can help you make tangible progress toward debt relief and financial well-being. With this worksheet, you'll have a clear roadmap to follow on your journey to financial freedom. Don't let debt hold you back; use this valuable resource to take the first steps toward a brighter financial future.

Download Counselling Session worksheet – Irregular Expenses and Financial Goals

Insolvency Counselling Program Introduction: Your Guide to Navigating the Insolvency Process

The Insolvency Counselling Program Introduction by the Government of Canada is a comprehensive resource that serves as your trusted guide to understanding the ins and outs of the insolvency process. Designed to provide clarity and insight, this program empowers individuals with knowledge about the various facets of insolvency, ensuring that you can make informed decisions during challenging financial times. Explore the program to gain a deeper understanding of insolvency procedures, learn about the steps involved, and discover your rights and responsibilities throughout the process. Whether you're seeking debt relief solutions, considering bankruptcy or a consumer proposal, or simply aiming to comprehend the insolvency landscape better, this introduction equips you with the foundational information you need. Embark on your journey toward financial stability with confidence, courtesy of the Insolvency Counselling Program.

Insolvency Counselling Online Modules

Credit Rebuilding Resources


Welcome to the Equifax Request for Credit Report, a valuable resource that empowers you to take control of your financial health. Equifax is one of Canada's leading credit reporting agencies, and by requesting your credit report through them, you gain access to a comprehensive overview of your credit history. This report is instrumental in understanding your current financial standing, tracking your credit activity, and identifying areas for improvement. Monitoring your credit with Equifax helps you stay informed about your financial health, which is essential for making informed financial decisions and working toward your credit goals.

Equifax Request for Credit Report


Introducing the TransUnion Request for Credit Report, a powerful tool to help you gain insights into your credit profile and pave the way toward financial well-being. TransUnion is a trusted name in the world of credit reporting, and by requesting your credit report through them, you can access a detailed summary of your credit history. One of the key benefits is that it allows you to monitor your credit activity, spot discrepancies, and take proactive steps to improve your credit score. With TransUnion, you have the knowledge needed to make informed financial choices and work towards your financial goals with confidence.

Transunion Request for Credit Report

Bankruptcy and Insolvency Laws

Federal Bankruptcy and Insolvency Act

The Federal Bankruptcy and Insolvency Act is a pivotal piece of legislation that governs bankruptcy and insolvency matters at the federal level in Canada. It outlines the legal framework for individuals and businesses facing financial difficulties, offering provisions for bankruptcy, consumer proposals, and corporate insolvency. This act plays a crucial role in providing debt relief options and mechanisms for resolving financial challenges, ultimately helping individuals and businesses regain financial stability.

Federal Bankruptcy and Insolvency Act

British Columbia Court Order Enforcement Act

The British Columbia Court Order Enforcement Act is a cornerstone of the province's legal system, facilitating the enforcement of court orders. This act ensures that court judgments, including those related to financial disputes and debt collection, are carried out effectively. It outlines the procedures and mechanisms for the enforcement of court orders, contributing to the maintenance of justice and fairness in the province.

British Columbia Court Order Enforcement Act

British Columbia Personal Property Security Act

The British Columbia Personal Property Security Act is a vital legal framework governing secured transactions involving personal property. This act establishes the rules and procedures for creating and registering security interests in personal property, such as vehicles, equipment, and inventory. It provides a robust legal foundation for creditors and debtors involved in secured lending transactions, ensuring transparency and clarity in the process.

British Columbia Personal Property Security Act

British Columbia Land Title Act

The British Columbia Land Title Act is the cornerstone of the province's real estate and property law. It governs the registration of land titles, property ownership, and land-related transactions. This act establishes the procedures for the registration and transfer of property titles, ensuring the integrity and accuracy of land records. It is instrumental in facilitating property transactions and protecting the rights of property owners.

British Columbia Land Title Act

British Columbia Limitation Act

The British Columbia Limitation Act sets the framework for the limitation periods within which legal actions must be initiated. It outlines the time limits for commencing various types of civil actions, including debt collection and contract disputes. This act ensures that legal claims are brought forward in a timely manner, contributing to the efficiency and fairness of the province's legal system. Understanding these limitation periods is essential when pursuing legal remedies related to debt and financial disputes.

British Columbia Limitation Act

Campbell Saunders Client & Creditor Forms

Campbell Saunders Application for Insolvency Services

Below are all of the documents you will need to start your application with Campbell Saunders Licensed Insolvency Trustees. If you have any questions please contact us directly. 

Download pdf application form (printable and fillable versions)

Link to online application form
Download the Monthly Income & Expense form (fillable and printable versions)
Download PAD form
Download proof of claim form (31) for creditors (Bankruptcy)
Download proof of claim form (31) for creditors (Proposal)
Download voting letter (37) for creditors