We Make Debt Solutions Easy

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.

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.

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.

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.

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.