ADMIN PREVIEW — Deep Dive Recovery Roadmap — hardcoded sample data — URL never changes

Deep Dive Recovery Roadmappg. 1
Clear Ground Financial

Deep Dive Recovery Roadmap

Your full recovery sequence — after Financial Triage & Lean Roadmap.

Case ID

DDRR-E-0001

Risk Level

CRITICAL

Stability

CRITICAL (10/100)

Est. Debt

$17,500

Net Cash/mo

-$275

Generated

August 30, 2026

Recovery Sequence

Phase 1

Containment

→

Phase 2

Stabilization

→

Phase 3

Rebuild

→

Phase 4

Protection

Assigned Recovery Track

CONTAINMENT

Execute phases in order — do not skip steps

ClearGround Financial — Recovery System1
Case Filepg. 2

Case File Summary

Legal Risk

MEDIUM

Stability Score

10/100

Repayment Method

snowball

Assigned Strategy

CONTAINMENT

Debt Age

2–3 years

Active Flags from Intake

Secured DebtGovernment Debt (CRA/Student)Active Collections

Priority Debt Order (Decision Engine)

#1Collections Account(s)
HIGH
#2Government Debt (CRA / Student Loan)
HIGH
#3High-Interest Unsecured Debt (Credit Card / LOC)
MED
#4Secured Debt (Mortgage / Vehicle)
MED

⚠ DLA — Date of Last Activity

Pull from equifax.ca or transunion.ca. DLA is listed on each account entry.

Do NOT call your collector to ask for it. Any verbal contact can restart your limitation period.

Your Actual Numbers — Enter from Credit Report

Current Credit Score
Unknown — click to enter
Monthly Income
$Click to enter
Monthly Savings Capacity
$Click to enter
Total Debt Balance
$Click to enter
Creditor #1 Name
Click to enter
Creditor #1 Balance
$Click to enter
Creditor #1 DLA (from credit report)
Click to enter
Creditor #2 Name
Click to enter
Creditor #2 Balance
$Click to enter
Creditor #2 DLA (from credit report)
Click to enter
Creditor #3 Name
Click to enter
Creditor #3 Balance
$Click to enter
Creditor #3 DLA (from credit report)
Click to enter

Your Actual Numbers (click to edit)

Current Credit Score
Unknown — click to enter
Monthly Income
$Click to enter
Monthly Savings Capacity
$Click to enter
Total Debt Balance
$Click to enter
Creditor #1 Name
Click to enter
Creditor #1 Balance
$Click to enter
Creditor #1 DLA (from credit report)
Click to enter
Creditor #2 Name
Click to enter
Creditor #2 Balance
$Click to enter
Creditor #2 DLA (from credit report)
Click to enter
Creditor #3 Name
Click to enter
Creditor #3 Balance
$Click to enter
Creditor #3 DLA (from credit report)
Click to enter

DDRR-E-0001 — Generated August 30, 2026

ClearGround Financial — Recovery System2
Progress Trackerpg. 8

Progress Tracker

Log completion dates and track phase-by-phase progress below.

1

Phase 1 — Containment

Stop financial damage · 0/10 tasks

0%
Started: —Completed: —
2

Phase 2 — Stabilization

Organize finances · 0/11 tasks

0%
Started: —Completed: —
3

Phase 3 — Rebuild

Fix debt & credit · 0/10 tasks

0%
Started: —Completed: —
4

Phase 4 — Protection

Prevent relapse · 0/10 tasks

0%
Started: —Completed: —

Overall Recovery Progress

0%

0 of 41 total tasks completed

ClearGround Financial — Recovery System8
Recovery Sequence at a Glancepg. 3

Recovery Sequence at a Glance

Follow phases in order. Do not skip steps.

1

Phase 1

Containment

Stop financial damage

›
2

Phase 2

Stabilization

Organize finances

›
3

Phase 3

Rebuild

Fix debt & credit

›
4

Phase 4

Protection

Prevent relapse

Phase
Name
Goal
When
1
Containment
Stop financial damage
Now
2
Stabilization
Organize finances
After Phase 1
3
Rebuild
Fix debt & credit
After Phase 2
4
Protection
Prevent relapse
Ongoing

Execution Protocol

1.

Complete all items in Phase 1 before starting Phase 2.

2.

Do not begin credit rebuild steps until Phase 2 is fully complete.

3.

Use the Progress Tracker to log completion dates.

4.

This document follows the Financial Triage Report and Lean Roadmap — do not repeat earlier steps.

ClearGround Financial — Recovery System3
Phase 1 — Containmentpg. 4

Phase 1 — Containment

Goal: Stop financial damage. Do not skip steps.

0/10

completed

🔴 GOVT DEBT DETECTED — CRA or student loan on file

CRA can garnish wages and freeze bank accounts without a court order. Contact CRA to set up a payment arrangement before Phase 2.

⚠ COLLECTIONS ACTIVE — Do not make voluntary payments

Any payment or verbal acknowledgment on a collections account can restart the limitation clock. Check DLA first. Use Debt Letters tool below.

Phase Started

Phase Completed

Your Debt Priority Order

#1Collections Account(s)HIGH
#2Government Debt (CRA / Student Loan)HIGH
#3High-Interest Unsecured Debt (Credit Card / LOC)MED
#4Secured Debt (Mortgage / Vehicle)MED

Action Checklist

Stop making minimum payments on debts you cannot afford (unless secured)
One-timeHIGH
Pull your credit reports from Equifax and TransUnion (free at equifax.ca / transunion.ca)
One-timeHIGH
List every debt: creditor name, balance, DLA (from credit report), account status
One-timeHIGH
Identify any debts under 2 years old (active legal risk) — these are your Priority 1 debts
One-timeHIGH
Identify all secured debts (mortgage, car loan) — keep payments current on these only
One-timeHIGH
Identify any government debts (CRA, student loans) — these have special collection powers
One-timeHIGH
Send Cease & Desist letter to any collector harassing you (use Debt Letters tool)
One-timeMED
Send Debt Validation letters for any debts you cannot verify on your credit report
One-timeMED
Identify your absolute minimum monthly expenses (survival budget: rent, food, utilities, transport)
One-timeHIGH
Do NOT apply for any new credit cards, loans, or financing during Phase 1
One-timeHIGH

Debt Letter Generator

Cease & Desist · Debt Validation · Statute-Barred notices

Open →

Phase Notes

ClearGround Financial — Recovery System4
Phase 2 — Stabilizationpg. 5

Phase 2 — Stabilization

Organize your finances. Build the foundation.

0/11

completed

Phase Started

Phase Completed

Action Checklist

Build a written zero-based monthly budget (every dollar assigned a job)
One-timeHIGH
Open a separate savings account — label it 'Emergency Fund'
One-timeHIGH
Save $500 minimum before making any extra debt payments
One-timeHIGH
Track every purchase for 30 days (app, spreadsheet, or notebook)
MonthlyMED
Cancel all non-essential subscriptions and recurring charges
One-timeMED
Identify at least one way to increase income by $200–$500/month
One-timeMED
Shop your phone/internet plan — move to lowest plan that meets needs
One-timeLOW
Get competing quotes on auto and home/tenant insurance
One-timeLOW
Check limitation periods: flag any debts past 2 years (may be statute-barred)
One-timeHIGH
Send Statute-Barred notice letters for debts past the limitation period (use Debt Letters tool)
One-timeHIGH
If CRA debt: contact CRA to set up a payment arrangement (prevents garnishment)
One-timeHIGH

Phase Notes

ClearGround Financial — Recovery System5
Phase 3 — Rebuildpg. 6

Phase 3 — Rebuild

Eliminate debt. Rebuild credit. Build reserves.

0/10

completed

Assigned Repayment Method

Snowball Method

Pay debts in order: smallest balance → next smallest. When each account is cleared, roll its payment to the next. Do not split payments across accounts.

Payoff Order — Execute in This Sequence

#1Collections Account(s)12mo est.HIGH
#2Government Debt (CRA / Student Loan)15mo est.HIGH
#3High-Interest Unsecured Debt (Credit Card / LOC)9mo est.MED
#4Secured Debt (Mortgage / Vehicle)23mo est.MED

Phase Started

Phase Completed

Chart 1 — Debt Payoff Timeline

Months from start

Repayment sequence — execute in order from top to bottom

0mo9mo18mo27mo36mo45mo59moCollectionsAccount(s)Government Debt(CRA / StudentLoan)High-InterestUnsecured Debt(Credit Card / LOC)Secured Debt(Mortgage /Vehicle)
High Priority
Medium Priority
Lower Priority

Chart 2 — Credit Utilization Progression

Projected vs. target utilization % over 24 months

Now3mo6mo12mo18mo24mo0%25%50%75%100%<30% target
  • Projected
  • Target

Chart 3 — Savings Rebuild Progress

Projected savings vs. target milestones over 24 months

3mo6mo9mo12mo18mo24mo0$1$2$3$4$
  • Target
  • Projected

Credit Score Simulator

Project score changes from debt payoff scenarios

Open →

Log This Month

Action Checklist

Order your debts using your assigned method (snowball/avalanche/hybrid — see below)
One-timeHIGH
Make minimum payments on all debts except your target debt
MonthlyHIGH
Apply every extra dollar to your current target debt only
MonthlyHIGH
Apply for one secured credit card ($200–$500 limit) — use only for gas or groceries
One-timeHIGH
Pay the secured card balance IN FULL every month — never carry a balance
MonthlyHIGH
Dispute any inaccurate or outdated items on your credit report (use Debt Letters tool)
One-timeMED
Monitor collections accounts — note the 6-year removal date for each
MonthlyMED
Consider settlement offers on debts 3–5 years old (offer 20–40% of balance)
One-timeMED
Build emergency fund to $1,000 before accelerating debt payments above minimums
One-timeHIGH
Complete monthly financial review: log income, expenses, debt balance, credit score
MonthlyMED

Phase Notes

ClearGround Financial — Recovery System6
Phase 4 — Protectionpg. 7

Phase 4 — Protection

Prevent relapse. Build lasting stability.

0/10

completed

Phase Started

Phase Completed

⚠ Reset Triggers — Return to Phase 2 immediately if:

New missed payment on any account
New collection account opened
Income reduction of 20% or more
Taking on new unsecured debt above $500
Emergency fund drops below $1,000

Action Checklist

Build emergency fund to 3 months of essential expenses
One-timeHIGH
Request credit limit increase on secured card or apply for an entry-level unsecured card
One-timeMED
Set all active accounts to auto-pay minimum (prevents future missed payments)
MonthlyHIGH
Pull updated credit reports every 6 months — verify all old negatives are removed
MonthlyMED
Open an RRSP and/or TFSA — begin contributing even small amounts ($25–$50/month)
One-timeMED
Review and obtain basic disability or income protection insurance
One-timeMED
Create or update a basic will (free at many legal clinics)
One-timeLOW
Resist lifestyle inflation — when income increases, direct 50% to savings/debt
MonthlyHIGH
Monthly: check for reset triggers (new missed payment, new debt, or income loss)
MonthlyHIGH
Annual full financial review: update net worth, revisit goals, adjust plan
MonthlyMED

Phase Notes

ClearGround Financial — Recovery System7
What-If Debt Simulatorpg. 9

What-If Debt Simulator

Your debts are pre-loaded from your profile. Adjust balances, rates, and payments to see real-time projections — payoff date, total interest cost, and how much you save by paying more.

Your Debts — Edit to Refine Projections

Priority order from engine ↓

#1Collections Account(s)
#2Government Debt (CRA / Student Loan)
#3High-Interest Unsecured Debt (Credit Card / LOC)
#4Secured Debt (Mortgage / Vehicle)

Extra Monthly Payment (Applied to Priority #1 Debt)

This simulates throwing extra cash at your top-priority debt — the snowball / avalanche accelerator.

+$0/mo
$0Max: $500/mo

Total Debt

$17,500

Monthly Payment

$351

Debt-Free Date

June 2036

118 months

Total Interest

$1,211

Total Debt Balance Over Time

Your current payment plan vs. minimum payments only

mo 2mo 8mo 15mo 22mo 29mo 36mo 43mo 50mo 57mo 64mo 71mo 78mo 85mo 92mo 100mo 108mo 118$0k$5k$9k$14k$18k
  • Minimum Payments
  • Your Plan

Per-Debt Payoff Breakdown

#1Collections Account(s)Paid off: October 203050 months$0 interest
#2Government Debt (CRA / Student Loan)Paid off: May 203331 months$478 interest
#3High-Interest Unsecured Debt (Credit Card / LOC)Paid off: August 203415 months$341 interest
#4Secured Debt (Mortgage / Vehicle)Paid off: June 203622 months$393 interest
Debt-FreeJune 2036$1,211 total interest

Projections assume consistent payments and no new debt. Interest rates are estimates unless you enter exact values from your statements. Not financial advice — for planning purposes only.

ClearGround Financial — Recovery System9
Next Steps & Final Notespg. 9

Next Steps & Final Notes

Report Sequence

1Financial Triage ReportComplete
2Lean Recovery RoadmapComplete
3Deep Dive Recovery RoadmapCurrent

This is the final stage document. It does not repeat steps from the Triage Report or Lean Roadmap. Execute from here.

Execution Rules

Complete phases in order: Containment → Stabilization → Rebuild → Protection.
Do not begin Phase 3 until Phase 2 checklist is fully complete.
Do not apply for any new credit during Phase 1 or Phase 2.
Use the Progress Tracker (Page 8) to log every date and milestone.
Only follow steps in this document. Do not act on collector pressure alone.
If a Reset Trigger occurs, return to Phase 2 immediately.
Monthly review required during Phases 3 and 4.

Recovery Track

CONTAINMENT

Repayment Method

Snowball

Case ID

DDRR-E-0001

Clear Ground Tools

→
Debt Letter Generator

Cease & Desist, Debt Validation, Settlement letters

→
Credit Score Simulator

Project score changes from debt payoff scenarios

→
Debt Payoff Planner

Interactive elimination calculator on dashboard

→
Free Resources

Government programs, legal aid, credit counselling

Clear Ground Financial — DDRR-E-0001 — Private & Confidential — Not legal or financial advice

ClearGround Financial — Recovery System9

ClearGround Financial — Deep Dive Recovery Roadmap — Private & Confidential — Not financial advice.