Orderly Payment of Debt (OPD)
Consolidation order / Orderly payment of debt (OPD)
(Applicable only to residents of Alberta, Saskatchewan and Nova Scotia)
What does it mean?
If you are unable to manage your current debts, you can voluntarily seek out a legal proceeding to help you make your payments. This is referred to as a consolidation order (also known as an orderly payment of debt program) and is an order from either: the Court of the Queen's Bench (Alberta); Her Majesty's Court of the Queen's Bench (Saskatchewan); and the County Court (Nova Scotia).
It will consolidate all your debts and determine an amount that you must pay to the Court on a periodic basis. Upon receipt of the payments from you, the Court will then make payments to your creditors on your behalf. Unlike bankruptcy, you will not have to give up your assets. You are also protected from having your property seized and your wages garnisheed. In most cases, the period of time of the program set by the court is three years. Section 226 of the Bankruptcy and Insolvency Act states that the payment of the debt must be made in full within a period of 3 years unless all creditors consent and that the Court approves it.
Where is this service available?
If you live in Alberta, Nova Scotia or Saskatchewan, contact the appropriate provincial organization indicated below in order to find out more about consolidation orders.
(exclusive provider of the Orderly Payment of Debts program in Alberta)
Toll-free: 1-888-294-0076 (Alberta only)
Service Nova Scotia and Municipal Relations
Debtor Assistance Program
Provincial Mediation Board
Debt Management and Credit Counselling
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