We Make Debt Solutions Easy

We are here to help you become DEBT FREE. As Licensed Insolvency Trustees, we provide professional, confidential guidance to help you regain control of your financial future.

If debt is stressing you out, you’re not alone, and you have options.

We are here to help you become DEBT FREE. As Licensed Insolvency Trustees, we provide professional, confidential guidance to help you regain control of your financial future.

Insolvency Trustee

Upfront Fee

Success Rate

Insolvency Trustee

Upfront Fee

Success Rate

Get Your Free Assessment

Take the first step towards financial freedom. Our consultation is 100% free and confidential.

Get Your Free Assessment

Take the first step towards financial freedom. Our consultation is 100% free and confidential.

Solutions That Fit Your Situation

As Licensed Insolvency Trustees, we offer real legal debt relief options, not guesswork. We’ll help you understand your choices and find the best solution for your situation.

Consumer Proposal →

A formal agreement you make with your creditors to pay back only a portion of your debt through one affordable monthly payment.

• Reduce debt by up to 80%

• Keep your home, car and other assets

• Stop collection calls

• Stops all interest

Bankruptcy Protection →

When a fresh start is needed, bankruptcy provides immediate relief from debt and creditor harassment through legal protection.

• Immediate debt relief

• Eliminates your unsecured debts, including tax debt

• Stop collection calls

• Legal protection from your creditors

• Fresh financial start

• Keep essential assets

Debt Consolidation →

Combine multiple debts into a single loan so you only have one payment to manage. This can make repayment simpler and may lower the total interest you pay over time.

• One payment instead of many

• Potentially lower interest costs

• Easier to manage your budget

• Stay organized without juggling multiple creditors

Debt Relief Programs →

Comprehensive assessment of all available options to find the best path forward for your unique situation.

• Free review of your situation

• Personalized plan

• Expert guidance

• Ongoing support

Consumer Proposal →

A formal agreement you make with your creditors to pay back only a portion of your debt through one affordable monthly payment.

• Reduce debt by up to 80%

• Keep your home, car and other assets

• Stop collection calls

• Stops all interest

Bankruptcy Protection →

When a fresh start is needed, bankruptcy provides immediate relief from debt and creditor harassment through legal protection.

• Immediate debt relief

• Eliminates your unsecured debts, including tax debt

• Stop collection calls

• Legal protection from your creditors

• Fresh financial start

• Keep essential assets

Debt Consolidation →

Combine multiple debts into a single loan so you only have one payment to manage. This can make repayment simpler and may lower the total interest you pay over time.

• One payment instead of many

• Potentially lower interest costs

• Easier to manage your budget

• Stay organized without juggling multiple creditors

Debt Relief Programs →

Comprehensive assessment of all available options to find the best path forward for your unique situation.

• Free review of your situation

• Personalized plan

• Expert guidance

• Ongoing support

Debts We Can Help You Eliminate

No matter what type of debt you’re facing, we have a solution that can help you get back on track.

CREDIT CARDS

Are you struggling to make the minimum monthly payments with such high interest rates? We can help you eliminate your credit card debt and consolidate into 1 small monthly payment

PAYDAY LOANS

Payday loans have enormous interest rates which make it nearly impossible to pay off. We will help you get relief from Payday loans with one of our debt solutions programs.

CRA TAX DEBT

If you are owing taxes to Canada Revenue Agency, we can help you negotiate your tax debt through one of our debt solutions programs and get you that debt relief you need.

STUDENT LOANS

If you have been out of school for over 7 years, we can eliminate your student loan debt through a consumer proposal or bankruptcy and get you a fresh start.

BANK LOANS

We can help you stop collection calls from your bank and/or collection agencies and eliminate your bank loans through a Consumer Proposal or Bankruptcy.

SMALL BUSINESS DEBT

Being self-employed or running a small business is not an easy task. There are a lot of things to juggle. Talk to one of our experts to see how we can help you eliminate your business debts.

Your Path to Financial Freedom

Getting debt relief is simpler than you think. Here’s how we help thousands of Canadians every year.

Free Consultation

Call us or fill out our form for a free, confidential consultation. We listen, answer your questions and explain things clearly, without judgment.

Review Your Options

We review your full financial situation and walk you through all your debt relief options in plain language.

Move Forward With a Plan

Together, we choose the best solution for you. We handle your creditors while you make one manageable payment and work toward becoming debt free.

Debt Calculator Hero — Morataya Corp

Free Debt Relief Calculator

Estimate Your Savings
with a Consumer Proposal

Enter your total unsecured debt and instantly compare your monthly payment options. See how much you could reduce what you owe with a Consumer Proposal vs other debt relief options.

Licensed Insolvency Trustee

100% Confidential

Instant Results

Your information is safe & confidential

Step 1: Your debt

Your plan

How much do you owe?

Enter your total unsecured debt — credit cards, bank loans, lines of credit, payday loans, tax debts.

Please enter a valid amount (minimum $1,000).

Your information is safe & confidential

Your Trusted Partner in Debt Relief

MORATAYA Corp. is a Licensed Insolvency Trustee firm serving clients across Ontario, British Columbia and Alberta. Our team brings years of experience helping individuals, families and small businesses overcome financial challenges.

We believe everyone deserves a fresh start. If you’re struggling with unsecured debts like credit cards, tax debt, personal loans, or business obligations, we’ll guide you through every step with professionalism and care.

Licensed & Regulated

We are federally licensed and regulated by the Office of the Superintendent of Bankruptcy Canada.

Compassionate Service

We understand financial stress. Our team treats every client with empathy and respect.

We are federally licensed and regulated by the Office of the Superintendent of Bankruptcy Canada.

We understand financial stress. Our team treats every client with empathy and respect.

Member of the Canadian Association of Insolvency and Restructuring Professionals.

Multilingual Support

We proudly serve Canadian residents in English, Spanish, Russian, and Ukrainian.

CAIRP Member

Member of the Canadian Association of Insolvency and Restructuring Professionals.

“Our goal is to help you understand all your options and find the best solution for your unique situation.”

Mario Morataya

Licensed Insolvency Trustee

Real People, Real Results

Join thousands of Canadians who have found financial freedom with our help. Here are some of their stories.

Morrison Edwards

Thank you MORATAYA Corp for help me through this difficult time,special thank to my counselor Patricia Fachinetti she's very helpful and easy to communicate with.

Rances Renata

Excelente servicios Trato muy professional y siempre muy comprometidos gracias por sus servicios

Yanicel Ponce de león Hernandez

I had a great experience with this debt settlement company. Their team is professional, knowledgeable, and genuinely cares about helping people. They explained every step of the process clearly and provided excellent guidance from start to finish. I felt supported and well-informed throughout the entire experience. I highly recommend their services to anyone looking for help with debt solutions.

Oscar Romay

Muchas gracias a Patricia y la gente de Morataya en general. Siempre están el pendiente de cada momento del proceso, muy buen trabajo! Gracias!!

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Trusted by thousands of Canadians. Licensed by the Government of Canada.

OSB

Office of the Superintendent of Bankruptcy

CAIRP

Professional Association Member

LIT

Licensed Insolvency Trustee

Common Questions Answered

We understand you have questions. Here are answers to the most common questions we receive. If you don’t find what you’re looking for, please reach out for a free consultation.

Still have questions?

Our team is here to help. Schedule a free, no-obligation consultation to discuss your specific situation.

What is a Consumer Proposal?

It’s a formal negotiations with your creditors that lets you repay part of your debt over a maximum of 5 years. It’s arranged by a Licensed Insolvency Trustee, allows you to keep your assets while reducing your unsecured debt by up to 80% (each case is different). Once registered, creditors cannot contact you or take legal action.

How is a Consumer Proposal different from bankruptcy?

While both are legal processes administered by a Licensed Insolvency Trustee, a Consumer Proposal allows you to keep your assets and negotiate to pay back only a portion of what you owe. Bankruptcy may involve giving up some assets but provides faster relief. We explain both so you can decide what’s best for you. A Consumer Proposal often has less impact on your credit rating and allows more flexibility in payment terms.

How much does it cost to meet with a Licensed Insolvency Trustee?

Your initial consultation with us is completely FREE and confidential. We'll review your financial situation, explain all available options, and help you understand which solution is best for you — with no obligation to proceed.

What types of debt can be included in a Consumer Proposal or Bankruptcy Protection?

Most unsecured debts can be included, such as credit cards, lines of credit, personal loans, payday loans, income tax debt, and student loans (if more than 7 years since you stopped studying). Secured debts like mortgages and car loans are handled separately.

Do you offer services in other languages?

Yes, We proudly offer all our services in English, Spanish, Russian and Ukranian to better serve our diverse community in Ontario, British Columbia and Alberta.

Get Your Free Assessment

Take the first step towards financial freedom. Our consultation is 100% free and confidential.

First Name

Last Name

Email Address

Phone Number

Estimated Debt Amount

Tell us about your situation

Ready to Start Your Journey to Debt Freedom?

Take the first step today. Our free consultation is confidential, judgment-free, and designed to give you clarity and peace of mind.

We Make Debt Solutions Easy

Get Your Free Assessment

Get Your Free Assessment

Solutions That Fit Your Situation

Consumer Proposal →

Bankruptcy Protection →

Debt Consolidation →

Debt Relief Programs →

Consumer Proposal →

Bankruptcy Protection →

Debt Consolidation →

Debt Relief Programs →

Debts We Can Help You Eliminate

CREDIT CARDS

PAYDAY LOANS

CRA TAX DEBT

STUDENT LOANS

BANK LOANS

SMALL BUSINESS DEBT

Your Path to Financial Freedom

Estimate Your Savings with a Consumer Proposal

Your Trusted Partner in Debt Relief

Real People, Real Results

OSB

CAIRP

LIT

Common Questions Answered

Get Your Free Assessment

Get Your Free Assessment

Ready to Start Your Journey to Debt Freedom?

Free Consultation to Become Debt Free

Estimate Your Savings
with a Consumer Proposal