There are plenty of companies and agencies in Canada that offer advice and products that seemingly help consumers out of debt, but it’s good to be wary before paying anyone for their advice or help. Some of these companies are for-profit businesses that care less about your debt than they do about collecting high fees from you. If you’re struggling with debt and think you might be insolvent, speak to a Licensed Insolvency Trustee. These professionals are federally regulated and unbiased. There are also non-profit agencies and organizations that can provide counselling and advice, with nominal or no fees.