Getting Started

Please contact us to arrange a free consultation.

Get the Help and Advice You Need

Services We Offer:

+ We Listen to You
+ We Advise You
+ We Work With You
+ We Have Your Best Interest in Mind

Consumer Proposal

If your debts are under $250,000 (excluding the mortgage on your principal residence) you may be eligible to file a consumer proposal to your creditors.

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Personal Bankruptcy

Once you have exhausted all your options and find that you are still unable to repay your debts, bankruptcy may be a solution.

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Proposal to Creditors (Division I)

Should your debts be over $250,000 you may still be able to make a proposal to your creditors, but different rules apply.

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Other Solutions

Depending on your financial circumstances, if you are able to pay your debts in full with a significant reduction on interest, you may be able to enter into a monthly debt repayment plan. Should this be a viable option, we can make a referral.

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Frequently Asked Questions 

There is no one-size fits all solution to your financial problems. Everyone we meet is different and we will take the time to discuss all your options with you.

Proposal to Creditors – FAQs

Can filing a Proposal stop garnishment of my wages? Yes, filing a Consumer Proposal will stop garnishments, with the exception of garnishments for child and...

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Bankruptcy – FAQs

Are my RRSPs protected? Only RRSP contributions within the twelve (12) month period prior to your date of bankruptcy are not protected. Should your RRSP...

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Consumer Proposals – FAQs

How do I know if I qualify for a Consumer Proposal? If your debt is at least $1,000, but less than $250,000 (excluding your mortgage)...

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Remember, there is no charge for a consultation. Ask questions! We’re here to help.

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