One option for Canadians struggling with debt is to relocate to either New Brunswick or outside of Canada.
New Brunswick is often described as a "debtor's haven". The province does not provide judgment creditors as an enforcement remedy. Accordingly, New Brunswick residents cannot have their wages or their bank accounts garnisheed. A consumer who moves to New Brunswick and rents is going to make it difficult for a judgment creditor to recover monies from them.
Canadian creditors and their authorized collection agents are notorious for being ineffective at recovering monies from Canadian debtors who have moved outside of Canada.