Some people may think that people with debt problem are reckless spenders, but it is a problem that can affect the most organized person. Debt repayment is an issue that affects many Canadians. Debts may result from sudden job losses, medical problems, and unplanned expenses, such as car repairs. When you combine these debts with common household bills and mortgages, they become a heavy burden that weighs down many people. Aggressive debt restructuring can help reorganize your debts and give your peace of mind.