Orderly Payment of Debts

​​If you need help making your debt payments and live in Alberta or Quebec, you may want to consider the Orderly Payment of Debts program through the use of a Consolidation Order or Voluntary Deposit Service / Lacombe’s Law (as it’s known in Quebec).

A designated provincial body will file for a Consolidation Order with the provincial courts on your behalf, which will combine all of your unsecured debts into one payment. The​ court will determine your monthly payment and use that money to pay back your creditors directly. The total amount you will pay will be equal to the total amount of your unsecured debt, plus 5% interest.

Orderly payment of debts may be a good choice if you:

  • Live in a province that issues Consolidation Orders / Voluntary Deposit Service (AB, NS, PE, QC)
  • Are able to repay your debts within three years
  • Have not had any legal proceedings against you from creditors

If a creditor has already taken legal action against you, a Consolidation Order may not stop creditors from seizing your assets. Speak with a Licensed Insolvency Trustee to discuss other options to manage your debt.

Life-Changing Debt Solutions is about finding the best choice that will work for you. To compare all the available options, contact us for a free confidential consultation.​​​

Our team of Licensed Insolvency Trustees will help you explore the debt relief options available to you and together we will find the solution that best fits your situation. Set up your FREE, no obligation consultation today.


MNP is committed to protecting your privacy. We promise to keep all of the information you share with us confidential.

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