Full debt schedule
Every debt organized by creditor, balance, interest, and status — so nothing slips through.
A transparent debt clarity service
Debt clarity, without the thousands in hidden fees.
DebtFlow helps Canadians understand their options — with a clear picture of their debts, budget, and next steps — for one flat fee. No pressure, no surprises, no sales tactics.
- A structured review of everything you owe
- A plain-language report you can actually use
- Guidance on the options that fit your situation
- One transparent fee — no commissions, no upsells
Built for Canadians
Bank-grade document security
Work at your own pace
Independent & commission-free
How It Works
Three calm steps to real clarity
Everything happens securely in your private DebtFlow portal. Work at your own pace.
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Complete your guided intake
Answer a simple, step-by-step questionnaire about your household, income, expenses, debts, and assets. Save and return anytime.
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Upload your documents securely
Add statements, bills, and ID through encrypted upload. We organize everything so nothing is missed.
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Receive your clarity report
Our team reviews your file and sends a plain-language report outlining your real options — so you can decide with confidence.
What You Receive
A complete, professional review package
Six deliverables designed to give you — and any licensed professional you work with — everything needed to move forward.
Budget snapshot
A realistic monthly picture of income, expenses, and cash flow pressure points.
Options overview
Plain-language explanation of the paths available — from self-directed plans to formal options.
Organized document file
All your uploaded statements and IDs structured in one secure, trustee-ready package.
Missing-items checklist
A clear list of anything still needed, so your file is complete when you need it.
Next-step guidance
Calm, non-judgmental notes on what a licensed professional would review next.
Simple, Transparent Pricing
One flat fee. Everything included.
No tiers. No add-ons. No commissions. The price you see is the only price you pay.
Most common starting point
$
399
CAD
one-time
one-time
Your full clarity review — start to finish.
- Guided intake and secure document upload
- Full debt, income, and budget review
- Plain-language clarity report
- Options overview and next-step guidance
- Trustee-ready case package
- No commissions, no upsells, no pressure
Payments are processed securely by Stripe. You can start your intake before paying.
Why DebtFlow
A different kind of debt review
How our independent, flat-fee model compares to the traditional "debt relief" industry.
Calm, independent clarity
- One flat $399 fee — disclosed upfront
- Independent: no commissions from any provider
- Calm, step-by-step online intake
- Your documents stay in your secure portal
- Plain-language clarity report
- You choose your next step — never pressured
"Debt relief" companies
- Thousands in fees, often hidden in fine print
- Paid commissions to steer you to one option
- High-pressure sales calls
- Promises to "erase" or "eliminate" debt
- Unclear paperwork and unclear outcomes
- Little transparency about who actually reviews your file
DebtFlow is an intake, organization, and reporting service. We are not a licensed insolvency trustee and do not provide legal or financial advice. Formal insolvency recommendations must come from a licensed professional.
FAQ
Straight answers
Everything we're asked most often — answered plainly.
Is the $399 fee really all I pay?
Yes. It covers the intake, secure document handling, full review, and your clarity report. There are no commissions or add-ons.
Will DebtFlow try to sell me a specific solution?
No. We don't earn anything from recommending one path over another. Our job is to give you a clear picture so you can decide.
Is my information secure?
Your documents are stored on a private, access-controlled disk. Only you and the team reviewing your case can see them.
How long does the review take?
Most clients finish intake in a single sitting. Reviews are typically completed within a few business days of a complete file.
Do I have to commit to anything?
No. You can stop at any point. If you decide not to continue after reviewing your report, that's fine — no pressure.
Do you provide legal or financial advice?
No. DebtFlow is an intake and reporting service. For formal insolvency, legal, or financial advice, you'll work with an appropriately licensed professional.
Ready when you are
Real clarity on your debts, one flat fee away.
Start your secure assessment today. Work at your own pace. One flat fee — no surprises.
$399 flat fee
No commissions · No upsells
Start assessment