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Changelog · Paying down debt in Canada

What we've updated, when

Every material content update to the paying down debt in canada journey, dated and reviewer-signed. If you bookmarked an earlier version, check here for what's changed since.

Reviewed by Ben Stevenson, Managing Editor, Canadian Money Help Updated April 21, 2026 Methodology
  • Initial publication
  • Four-stage framework: triage, strategize, execute, stay out
  • Six relief option deep-dives: DIY, consolidation, balance transfer, credit counselling, consumer proposal, bankruptcy
  • 10 ranked landmines with cost estimates
  • 8 hub FAQs covering the most-searched Canadian debt queries
  • 22-term glossary
  • Decision flow: which debt-relief path fits you?
  • 3 stacking scenarios showing interest cost by payoff speed
  • 10 external citations (OSB, FCAC, Credit Counselling Canada, Equifax, TransUnion, CRA, Criminal Code, BIA)
  • Master checklist with 34 items across 4 stages