COVID-19 Update: During the pandemic all meetings can be done virtually from the comfort of your own home.

Book an Appointment

Is it time for us to meet?

If you’re thinking about booking an appointment, then you’ve already taken the first step by deciding you need help or advice with your personal or corporate debt. That’s often the most difficult step. We understand and we’re here to help.

The sooner we meet, the greater the likelihood of a positive outcome. Call our toll free number, call the number of the office closest to you, or send us an email by filling in the form below.

We’re looking forward to taking the stress off your shoulders and helping you live life again.

1.877.944.1177








    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Our Process

    You’ve made the difficult decision to explore personal or corporate debt restructuring and now you’re wondering, “What happens next?”

    First, let us say congratulations. It isn’t always easy deciding that you need assistance, but it’s more common than you know and the earlier you start, the better the chance for a positive outcome.

    Next, understand that we want to make the entire process as easy and positive as possible. We will never judge or pressure you; we are only here to help.

    Our process begins with information gathering. We have a responsibility to collect as many details about your financial situation as possible so we know exactly what we’re dealing with.

    After we have collected the information, our team, including a Licensed Insolvency Trustee, will determine the most advantageous option and present it to you, carefully explaining all of the pros and cons.

    After that, you are certainly welcome to take the information home and think about it to see if you have any further questions.

    When you make the decision to proceed, our experts do the heavy lifting and work with you, side by side, until the project is completed.

    Our process ends when your brighter days begin.

    Advantages and Disadvantages of Consumer Proposals

    Advantages:

    • Avoid bankruptcy while resolving financial difficulties.
    • It immediately stops legal action from unsecured creditors, including wage garnishments, bank account seizures and unencumbered asset seizures.
    • It instantly protects you from receiving collection calls from your unsecured creditors.
    • Unsecured creditors are now required to communicate with the Proposal Administrator instead of you.
    • It stops the accumulation of interest on your unsecured debt.
    • One affordable monthly payment may be made to your Proposal Administrator instead of multiple payments to individual unsecured creditors.
    • Each monthly payment made to the Proposal Administrator pays your unsecured creditors and pays the Administrator`s fees.
    • No additional costs, payments or interest charges apply beyond your single monthly payment to the Proposal Administrator.
    • Flexible payment options are available. Plus you have the option to prepay at any time to help reduce the length of the consumer proposal.
    • It allows a director of an incorporated business to maintain his or her position.
    • It prohibits an employer from terminating, laying off, suspending or disciplining an employee on the basis of filing a consumer proposal.
    • Disclosure of your financial situation is not required if you enter into a business transaction.
    • Financial difficulties may be resolved within 90 days by providing a one-time lump sum payment to your Proposal Administrator.

    Disadvantages:

    • Stable monthly income is required to ensure you can pay the Proposal Administrator consistently.
    • Your ability to make payments to the Proposal Administrator must be demonstrated through income verification and your monthly household budget.
    • Acceptance of the consumer proposal is subject to a majority (50% or more) vote by your unsecured creditors.
    • If multiple payment defaults occur, the consumer proposal is annulled – brought to an end – which reinstates the rights of the unsecured creditors to pursue collection or legal action. When a consumer proposal is annulled, personal bankruptcy may be your only option.

    Thank you all for making a not so happy time a positive learning experience.

    Kelvin & Deb J.

    Our Process

    You’ve made the difficult decision to explore personal or corporate debt restructuring and now you’re wondering, “What happens next?”

    First, let us say congratulations. It isn’t always easy deciding that you need assistance, but it’s more common than you know and the earlier you start, the better the chance for a positive outcome.

    Next, understand that we want to make the entire process as easy and positive as possible. We will never judge or pressure you; we are only here to help.

    Our process begins with information gathering. We have a responsibility to collect as many details about your financial situation as possible so we know exactly what we’re dealing with.

    After we have collected the information, our team, including a Licensed Insolvency Trustee, will determine the most advantageous option and present it to you, carefully explaining all of the pros and cons.

    After that, you are certainly welcome to take the information home and think about it to see if you have any further questions.

    When you make the decision to proceed, our experts do the heavy lifting and work with you, side by side, until the project is completed.

    Our process ends when your brighter days begin.

    Book an Appointment

    Is it time for us to meet?

    If you’re thinking about booking an appointment, then you’ve already taken the first step by deciding you need help or advice with your personal or corporate debt. That’s often the most difficult step. We understand and we’re here to help.

    The sooner we meet, the greater the likelihood of a positive outcome. Call our toll free number, call the number of the office closest to you, or send us an email by filling in the form below.

    We’re looking forward to taking the stress off your shoulders and helping you live life again.

    1.877.944.1177








      This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
      Trustpilot