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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








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    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.

    Secured Debt

    Secured debt is a mortgage or loan that is secured by some  form of collateral (asset or property) such as your residence, car, or recreational vehicle that you pledge as security to the lender to obtain the loan. The most common forms of secured mortgages debts or loans include:

    – A mortgage where a residence, cottage, or vacant land is pledged as security;

    – Home equity lines of credit where a principal residence is pledged as security; and

    – Vehicle loans where a motor vehicle, travel trailer, quad, snowmobile or similar property is held as collateral.

    Typically, secured loans have a lower rate of interest when compared to unsecured loans as the lender holds collateral as security.

    If you default on repayment, the lender—typically a financial institution—has the legal right to seize the property or asset you provided as collateral, sell it and use the money to pay back the debt. If the collateral is sold for less than you owe you will be required to pay the shortfall and the lender, in most cases, will sue you to recover the shortfall.

    When considering a consumer proposal or personal bankruptcy debt restructuring plan you have two options when it comes to secured mortgages or loans. If you want to retain possession of the property or asset you pledged as collateral, usually a residence or motor vehicle, then you must:

    1. continue to make the mortgage or vehicle loan payments; or

    2. if you want to surrender the property or asset you pledged as collateral you stop making the mortgage or loan payments. The lender will sell the collateral and any shortfall owing becomes an unsecured debt that is included in your consumer proposal or personal bankruptcy debt restructuring plan.

    Thanks for making me feel so comfortable.

    Karen B.

    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.