Debt Shouldn't
Define You.
As a valued First Step Debt Solutions client, you've been selected to receive a complimentary 2-year membership with the Canadian Debtors Association — at no cost to you.
- Full 2-year CDA Membership
- National advocacy with attorneys
- Access to CDA resources & education
- Rights as a debtor explained clearly
- Your information stays 100% private
Stand Up for Fairness in Canada's Financial System
The Canadian Debtors Association was created to ensure that nobody in Canada faces financial hardship without a dedicated voice to champion their individual needs. We empower financially vulnerable Canadians through education, advocacy, and fair practices.
National Advocacy
Lobbying for fair debtor rights at every level of government.
Certified Advocates
A network of trusted professionals bound to fully disclose.
Public Awareness
Raising the alarm on Canadian consumer financial hardship.
How Your Membership Makes a Difference
When you join, you're not just signing up — you're making a statement of support for fair financial treatment across Canada.
National Advocacy
Fighting for you at the national level — the CDA advocates for debtor rights where policy is made.
Fair Treatment
Holding to transparent, ethical financial practices that protect every Canadian consumer.
Community Power
A growing national movement of Canadians standing together for fairness in the financial system.
Education & Resources
Access tools, guides, and expert knowledge that help you make informed financial decisions.
Your Rights as a Canadian Debtor
Debtors are the foundation of the consumer credit industry, yet their rights have long been overlooked. It's time for debtors to be treated with the fairness and respect they deserve.
View the Debtor Bill of Rights →As a debtor, you have the right to:
- The right to be treated with dignity and respect
- The right to accurate and transparent information
- The right to fair and equitable payments
- The right to access independent advice
- The right to have complaints heard and addressed
"The CDA connected me with an advocate who helped me understand my options. I learned to communicate with creditors and consolidate debts into manageable payments. For the first time, I wasn't alone."Bill K. — Portage, ON
Enroll in the CDA Today
Your complimentary 2-year Consumer Membership is waiting. Complete the short form below to activate it instantly.
* Free Membership — after 2 years, standard membership rates apply unless cancelled.