Start with the bill or expense itself
Contact the utility, landlord, service provider or creditor and ask whether a payment extension, hardship plan or partial-payment arrangement is available.
Check government and community programs
Alberta Supports and 211 Alberta can help residents identify income, housing, food and emergency resources. Eligibility varies by program.
Compare the real cost
If borrowing is still necessary, compare the dollar cost, due date and consequences of a missed payment across available options.
Avoid urgency scams
Legitimate programs do not usually require gift cards, cryptocurrency or a fee to release government benefits. Verify the organization independently.
General information only. This article is educational and does not replace legal, credit or financial advice. Rules and product terms can change.