{"id":46553,"date":"2016-03-31T13:07:44","date_gmt":"2016-03-31T17:07:44","guid":{"rendered":""},"modified":"2026-03-12T16:55:50","modified_gmt":"2026-03-12T20:55:50","slug":"what-must-debt-settlement-agreement-include","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-must-debt-settlement-agreement-include","title":{"rendered":"What must a debt settlement agreement include?"},"content":{"rendered":"<p>A debt settlement agreement must include your name, address, and phone number. It must also include:<\/p>\n<ul>\n<li>the credit counsellor or debt settlement company&#8217;s name, address, phone number, fax numbers, email address, and website<\/li>\n<li>their Ontario registration number if they are a debt settlement company<\/li>\n<li>whether they expect to get a fee from your creditors in exchange for getting you to enter into the agreement<\/li>\n<li>a detailed list of all services they will provide<\/li>\n<\/ul>\n<p>The agreement must show the date the agreement was made, and its end date. The end date must not be more than 18 months after the latest of:<\/p>\n<ul>\n<li>the date you make the agreement<\/li>\n<li>the last day you make a payment under the agreement<\/li>\n<li>the last day the credit counsellor or debt settlement company settles a debt under the agreement<\/li>\n<\/ul>\n<p>The agreement must have information about all the debts covered in the agreement. For example, it must include each creditor&#8217;s name, the total amount you owe each creditor, and the interest rate each creditor is charging you.<\/p>\n<p>The agreement must say whether they will offer your creditors an instalment plan or a single payment plan. And when they will make payments to your creditors, or a one-time payment.<\/p>\n<p>Finally, the agreement must say they will give you a written report on the performance of the agreement within 15 days after you ask for one.<\/p>\n<p>Make sure you understand your agreement before you sign it. It&#8217;s a good idea to talk to your creditors to make sure they accept your repayment plan.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-46553","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What must a debt settlement agreement include? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-must-debt-settlement-agreement-include\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What must a debt settlement agreement include? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"A debt settlement agreement must include your name, address, and phone number. 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