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Firstly you will find that there aren’t many debt settlements done in Alberta. This is primarily becasue in Alberta you can use the orderly payment of debt (OPD) program and it accomplishes the same thing, but in a fashion that is more secure. Of course a consumer proposal will also work, although and interesting thing is that the proposal is typically less expensive than a debt management plan / or OPD and they all end up with the same impact on your credit. So there isn’t a great deal of incentive for a debt management plan or the OPD route.
As for not including your car loan, this is is very common. Because the vehicle loan is considered secured, you don’t have to put it in and there will be no impact on the vehicle.