Domestic violence often involves financial control—limiting access to money, sabotaging employment, or forcing financial dependency. Once you leave the abusive relationship, rebuilding your finances is crucial for long-term freedom and security.

This guide walks you through practical steps to achieve financial independence in Ontario, even if you're starting from scratch.

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• Being denied access to bank accounts

• Having credit cards or ID taken away

• Abuser opening debt in your name

• Being prevented from working or attending school

• Your paycheck or benefits being controlled or taken

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• Open a new bank account in your name at a different institution

• Request a free credit report (Equifax/TransUnion) to review any damage

• Contact creditors to explain your situation (some offer DV hardship programs)

• Update your mailing address and security questions

• Apply for a new SIN card or government ID if yours was stolen or withheld

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• Ontario Works (OW) or Ontario Disability Support Program (ODSP) for basic needs

• Emergency shelter funds may cover food, transportation, or security deposits

• Legal Aid Ontario can help with family law and restraining orders

• Ask about fee waivers for court applications or ID replacement

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• Take part in free financial literacy workshops through women’s shelters or YWCAs

• Use apps like Mint or YNAB to track spending and savings

• Meet with a credit counsellor (many offer free services for DV survivors)

• Learn how to create a simple monthly budget

• Explore microloans or grants for survivors restarting careers or businesses

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• Ask shelters or newcomer centres about job readiness programs

• Access second-career grants for women retraining after DV

• Consider part-time or flexible work as a transition step

• Volunteer roles can help rebuild confidence, networks, and references

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• Apply for subsidized or transitional housing in your region

• Rebuild or repair your credit gradually

• Set small savings goals (even $5–$10 per week)

• Work with a financial advisor familiar with DV situations if possible

Healing from financial abuse takes time—but every small step counts.

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• ✅ Start by securing your identity and opening a personal bank account

• ✅ Get help with emergency benefits and financial literacy

• ✅ Access free job support and credit rebuilding resources

• ✅ Take small, consistent steps toward stability

• ✅ You have the right to financial control and future freedom

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• 211 Ontario – Find local financial help and employment programs

• Assaulted Women’s Helpline: 1-866-863-0511

• Ontario Works / ODSP: Apply through your municipality

• YWCA Ontario or Women’s Shelters – Job and financial literacy programs

• Credit Canada or ACORN – Free financial counselling

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The very first step is to regain some control by opening a new bank account in your name only at a bank your ex does not use. The second step is to contact a local women's shelter or the Assaulted Women's Helpline (1-866-863-0511). They can immediately connect you with resources like Ontario Works and emergency funds.

The YWCA's NESS Fund is specifically designed for this. It can provide a grant to help with urgent costs like moving, first and last month's rent, or storage fees. You can apply through your local YWCA or women's shelter.

First, get copies of your credit reports to assess the damage. Second, dispute any debts that were opened fraudulently in your name. Third, get a secured credit card. This is one of the fastest and safest ways to start rebuilding your credit score by making small purchases and paying the bill in full each month.

You should apply for Ontario Works (OW) immediately. They provide financial assistance while also offering employment support services, like job training programs, to help you re-enter the workforce.

While you can apply on your own, it is highly recommended to get legal advice. A lawyer can ensure your rights are protected and you receive the full amount of support you are entitled to. Legal Aid Ontario provides free legal services for low-income survivors of domestic violence.

Non-profit credit counselling agencies are your best resource. They provide free or low-cost services from certified professionals who can help you create a budget, develop a debt repayment plan, and provide unbiased financial advice. Credit Counselling Canada can connect you with an agency near you.