The good news is you can build a 5 - year debt repayment plan by filing a consumer proposal. (consumer-proposals.org)
Truth be told, it's not hard to create your own debt repayment plan. (thecollegeinvestor.com)
Both of these agencies can also negotiate debt repayment plans with creditors on your behalf for up to but no more than 10 % of your monthly balance. (moneysense.ca)