Also, a debt consolidation company that gets referrals from the government won’t brand themselves as “government of Canada debt consolidation”.
These organizations are held in high regard and are respected, so they wouldn’t aim to mislead their potential clients in that manner.
So again, before considering bankruptcy, make sure that all other options have been exhausted.
All of these options will affect your credit report and credit score in different ways, and for different amounts of time, but all are viable options to get out of debt, depending on your situation and goals.
As always, it is important to do research on the various options you come across and see which one best fits your unique situation.