On July 1, 2015, Ontario joined 3 other provinces in adopting national recommendations for debt settlement reform. These reforms significantly increase the debt settlement companies' cost of doing business, and many have been forced to close their doors. Others have reorganized themselves or taken on additional partners to help them avoid these new regulations while still providing debt settlement services to clients in need. Read on to learn more about these changes to the laws governing debt settlement companies, as well as your available debt management options.