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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.

    Vehicle Loans

    Vehicle loans are a secured debt most often financed under a Lease Agreement or a Conditional Sales Contract.  When a default in the payments occur the lender will pursue collection for the arrears.

    When a default occurs and the vehicle loan is financed under a Lease Agreement the lender will seize and sell the vehicle and apply the sale proceeds to the amount you owe.  If there is a shortfall, the lender will sue you for the balance that remains owing.

    When a default occurs and the vehicle is financed under a Conditional Sales Contract the lender may only pursue one of the two following options, often referred to as “seize or sue“ to recover the amount you owe:

    1.   The lender may seize and sell the vehicle and apply the sale proceeds to the amount you owe.  If there is a shortfall, the lender is unable to sue you for the balance that remains owing; or

    2.   The lender may sue you for the loan balance that remains owing to obtain judgment.  With a judgment the lender can garnishee your wages, seize your bank account or file a lien against your residence.  However, the lender is prohibited from seizing the vehicle after a judgment has been granted by the Court.

    Vehicle loan putting your debt in overdrive?

    The seize or sue provisions of the Law of Property Act can be complicated. Contact Faber to review your finance contract so we can assess your disclosure, options and determine the best restructuring plan is right for you.

    Thank you very much for all your help and giving us pointers.

    Marguerite and Jeff

    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








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