# Metus Lykos - Debt Relief Law Firm in Canada


## Posts

- [Consumer Proposal Credit Score Impact in Ontario](https://debtlaw.ca/consumer-proposal-credit-score/): A Consumer Proposal gives you an R7 rating — far better than the R9 from bankruptcy. Learn the timeline, the impact, and how to rebuild. Book a free consultation.
- [Consumer Proposal vs Credit Counselling in Ontario](https://debtlaw.ca/consumer-proposal-vs-credit-counselling/): Consumer proposal vs credit counselling: understand the key differences, who qualifies, and which option gives you real debt relief. Book a free consultation.
- [What Debts Can Be Included in a Consumer Proposal? | Metus Lykos](https://debtlaw.ca/what-debts-can-be-included-in-a-consumer-proposal/): Find out what debts can be included in a Consumer Proposal in Canada — credit cards, CRA tax debt, payday loans, and more. Book a free consultation today.
- [How Long Does a Consumer Proposal Take? | Metus Lykos](https://debtlaw.ca/how-long-does-a-consumer-proposal-take/): A Consumer Proposal takes up to 5 years, but you can pay it off early. Learn every stage of the timeline and what to expect. Book a free consultation.
- [Consumer Proposal CRA Debt: What You Need to Know | Metus Lykos](https://debtlaw.ca/consumer-proposal-cra-debt/): Yes, a Consumer Proposal can include CRA tax debt. CRA is legally bound by the vote outcome. Learn how it works and what stops. Book a free consultation.
- [Consumer Proposal vs Debt Settlement Canada | Metus Lykos](https://debtlaw.ca/consumer-proposal-vs-debt-settlement/): Compare consumer proposals and debt settlement in Canada. Learn which option protects you legally and fits your situation. Book a free consultation today.
- [Business Debt Restructuring vs Bankruptcy Canada | Metus Lykos](https://debtlaw.ca/business-debt-restructuring-vs-bankruptcy/): Business debt restructuring lets Canadian companies reduce debt and keep operating. Bankruptcy does not. Learn which option protects your business. Book a free consultation.
- [Division 1 Proposal for Business Canada | Metus Lykos](https://debtlaw.ca/division-1-proposal-business-canada/): A Division 1 Proposal lets incorporated businesses restructure serious debt and avoid bankruptcy. Learn how the process works in Canada. Book a free consultation.
- [What Happens to Debt When You Die in Canada? | Metus Lykos](https://debtlaw.ca/what-happens-to-debt-when-you-die-canada/): In Canada, debt doesn't disappear when you die — it becomes a claim against your estate. Learn who is responsible and what assets are protected from creditors.
- [Statute of Limitations on Debt in Canada: What You Need to Know | Metus Lykos](https://debtlaw.ca/statute-of-limitations-debt-canada-2/): The statute of limitations on debt in Canada limits how long creditors can sue you. Learn the rules by province — and what it means for debt you already owe.
- [How Long Does Debt Stay on Your Credit Report in Canada? | Metus Lykos](https://debtlaw.ca/how-long-does-debt-stay-on-credit-report-canada/): Most debts stay on your Canadian credit report for 6 to 7 years. Learn what that means for your score — and how different debt solutions affect the timeline.
- [Can Creditors Sue You for Debt in Canada? | Metus Lykos](https://debtlaw.ca/can-creditors-sue-you-for-debt-canada-2/): Yes — creditors can sue you for unpaid debt in Canada. Learn when it happens, what a judgment means for your wages and assets, and how to stop it legally.
- [How to Talk to Your Creditors About Debt in Canada | Metus Lykos](https://debtlaw.ca/how-to-talk-to-your-creditors-about-debt-canada/): Talking to your creditors about debt you can't pay can work — but it comes with risks. Learn what to say, what to avoid, and when to get legal help instead.
- [What Is a Debt Collection Agency and What Can They Do to You? | Metus Lykos](https://debtlaw.ca/what-is-a-debt-collection-agency-canada/): Debt collectors in Canada have strict limits on what they can do. Know your rights — and learn the legal way to stop collections for good.
- [What Happens If You Ignore Debt in Canada? | Metus Lykos](https://debtlaw.ca/what-happens-if-you-ignore-debt-canada/): Ignoring debt in Canada doesn't make it go away — it makes it worse. Here's exactly what happens at each stage, and what you can do to stop it.
- [Unsecured Debt vs Secured Debt: What's the Difference? | Metus Lykos](https://debtlaw.ca/unsecured-debt-vs-secured-debt-canada/): Unsecured debt has no collateral behind it — and it's the type that qualifies for debt relief like a Consumer Proposal. Learn the key differences in Canada.
- [What Happens When You Cannot Pay Your Bills in Canada? | Metus Lykos](https://debtlaw.ca/what-happens-when-you-cannot-pay-your-bills-canada/): Can't pay your bills in Canada? Here's what actually happens — and the legal options that can stop collections, reduce debt, and give you a fresh start.
- [What Is a Division 1 Proposal in Canada? | Metus Lykos](https://debtlaw.ca/what-is-a-division-1-proposal-canada/): A Division 1 Proposal lets individuals and businesses with $250,000+ in unsecured debt restructure what they owe without bankruptcy. Learn how it works.
- [CERB Repayment Debt in Canada: Your Options | Metus Lykos](https://debtlaw.ca/cerb-repayment-debt-canada/): Struggling with CERB repayment debt? The CRA is actively collecting. Learn your legal options, including how a Consumer Proposal can resolve CERB debt.
- [Got a CRA Notice of Collection? Here is What It Means and What to Do | Metus Lykos](https://debtlaw.ca/got-a-cra-notice-of-collection/): A CRA Notice of Collection means the government can act fast. Learn what it means, what the CRA can legally do next, and how to protect yourself.
- [Does Debt Forgiveness Exist in Ontario? | Metus Lykos](https://debtlaw.ca/debt-forgiveness-ontario/): True debt forgiveness is rare in Canada, but legal options exist that can significantly reduce what you owe. Learn what actually works and how to qualify.
- [How Bankruptcy Works in Ontario | Metus Lykos](https://debtlaw.ca/how-bankruptcy-works-in-ontario/): Learn how personal bankruptcy works in Canada, what you lose, how long it lasts, and why most people have better legal options available to them.
- [Canadian Court Confirms Your Right to a Lawyer in a Consumer Proposal](https://debtlaw.ca/canadian-court-confirms-right-to-lawyer-consumer-proposal/): A Canadian court confirmed that you have the right to legal representation in a consumer proposal. Learn what this means for your debt relief options.
- [Wage Garnishment in Canada: How to Stop It Legally | Metus Lykos](https://debtlaw.ca/wage-garnishment-canada/): Your wages are being garnished in Canada. Here is what that means, how it starts, and the legal ways to stop it — sometimes within days.
- [Licensed Insolvency Trustee vs. Debt Lawyer: What's the Difference? | Metus Lykos](https://debtlaw.ca/licensed-insolvency-trustee-vs-debt-lawyer/): Working with a Licensed Insolvency Trustee or a debt lawyer? We break down the key differences — and why it changes the outcome for your debt.
- [Consumer Proposal: Pros and Cons Canada | Metus Lykos](https://debtlaw.ca/consumer-proposal-pros-and-cons/): Weighing the pros and cons of a Consumer Proposal in Canada? We cover every advantage and disadvantage. Book a free consultation with our debt lawyers.
- [Consumer Proposal vs Bankruptcy Ontario | Metus Lykos](https://debtlaw.ca/consumer-proposal-vs-bankruptcy/): A Consumer Proposal lets you keep your assets and avoid bankruptcy in Ontario. Compare your options and book a free consultation with our debt lawyers.
- [Debt Relief Options Canada: Complete Guide | Metus Lykos](https://debtlaw.ca/debt-relief-options-canada/): Not sure which debt relief option fits your situation? This complete guide covers every option in Canada. Book a free consultation with our debt lawyers.
- [Debt Consolidation vs Consumer Proposal | Metus Lykos](https://debtlaw.ca/debt-consolidation-vs-consumer-proposal/): Searching for debt consolidation in Canada? Compare it to a Consumer Proposal and find out which option actually solves your debt. Book a free consultation.
- [What Is a Consumer Proposal? | Metus Lykos](https://debtlaw.ca/what-is-a-consumer-proposal/): A Consumer Proposal lets you legally reduce your debt, stop collections, and avoid bankruptcy. Learn how it works in Canada and book a free consultation.

## Pages

- [Business Debt Solutions in London | Metus Lykos](https://debtlaw.ca/business-debt-solutions-london/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Business Debt Solutions in Toronto | Metus Lykos](https://debtlaw.ca/business-debt-solutions-toronto/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [B2B Debt Settlement Ontario | Metus Lykos](https://debtlaw.ca/b2b-debt-settlement-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Business Debt Solutions Ontario | Metus Lykos](https://debtlaw.ca/business-debt-solutions-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Commercial Consumer Proposals Ontario | Metus Lykos](https://debtlaw.ca/commercial-consumer-proposal-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Stop Wage Garnishment in Ontario](https://debtlaw.ca/stop-wage-garnishment-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [The Consumer Proposal Process, Step by Step | Metus Lykos](https://debtlaw.ca/consumer-proposal-process/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Consumer Proposal Toronto](https://debtlaw.ca/consumer-proposal-toronto/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Debt Relief in Ontario](https://debtlaw.ca/debt-relief-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Thank you page](https://debtlaw.ca/thank-you-page/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Division 1 Proposal Ontario | Metus Lykos](https://debtlaw.ca/division-1-proposal-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Disclaimer](https://debtlaw.ca/disclaimer/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Terms of Use](https://debtlaw.ca/terms-of-use/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Debt Repayment Calculator](https://debtlaw.ca/debt-repayment-calculator/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Debt Settlement Service](https://debtlaw.ca/debt-settlement-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Corporate Debt Restructuring Ontario | Metus Lykos](https://debtlaw.ca/business-debt-restructuring-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Home](https://debtlaw.ca/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Case Results](https://debtlaw.ca/case-results/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Contact Us](https://debtlaw.ca/contact-us/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [About Us](https://debtlaw.ca/about-metus-lykos/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Consumer Proposal Service](https://debtlaw.ca/consumer-proposals-ontario/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Typography](https://debtlaw.ca/typography/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Blog](https://debtlaw.ca/blog/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…
- [Privacy Policy](https://debtlaw.ca/privacy-policy/): Business Debt Solutions in London If your London business cannot service its debt, you have legal options well before bankruptcy. We help owners restructure corporate debt, negotiate with creditors and CRA, and keep trading through it. We are a law firm, so our duty runs to you rather than to your creditors. Serving London, Windsor, Kitchener, Waterloo and Cambridge Corporate restructuring and Division 1 Proposals Commercial proposals and B2B settlement Stop creditor lawsuits and collection action A law firm, not a trustee Call 1-905-232-3222 Want to know how much debt we can reduce for you? Answer a few quick questions to…


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