Determining if there are other creditors is important when you are deciding what remedy to recommend. If there is only the judgment creditor, you may be able to focus on negotiated remedies such as a repayment agreement, or court remedies such as an [[Instalment Payment Orders|instalment payment order]]. If there are several creditors, you may need to consider more global remedies such as debt pooling (see the section on the [[Debtor’s Options for Getting Out of Debt]]), or remedies under the [http://canlii.ca/t/7vcz ''Bankruptcy and Insolvency Act''] (see the sections on [[Assignments in Bankruptcy ]] and [[Consumer and Ordinary Proposals]]).