Our response to COVID-19. Learn more.

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.

Payment Calculator

Easily Compare Payment Plans

The payment calculator is a tool to provide you with a preliminary overview and comparison of the 5 different restructuring plans available for your consideration in determining the restructuring plan that is best for you. The 5 restructuring plans include maintaining regular monthly payments to creditors, consolidation loans, orderly payment of debts, consumer proposals and bankruptcy. The calculator is not comprehensive or exhaustive and is intended for demonstration and discussion purposes only. There are many additional factors and variables that require consideration that are beyond the scope and capabilities of the calculator.

We invite you to contact our office to schedule your free, confidential, no obligation consultation to review your unique financial situation and to further evaluate the restructuring plan best suited to your unique financial situation to eliminate your debt and provide you with the fresh financial start you deserve.

Enter values to review different payment plans.

  • Mandatory fields outlined in red.
  • Mouseover the “?” icon for descriptions.

This calculator uses the following interest rates:

  • Regular repayment: 17%
  • Consolidation Loan: 12%
  • Orderly payments: 5%
  • Consumer proposal: 0%
  • Bankruptcy: 0%
Total Regular Payments:

Fill in form fields to see repayment options.

Consolidation Loan:

Fill in form fields to see repayment options.

Orderly Payment of Debt:

Fill in form fields to see repayment options.

Consumer Proposal:

Fill in form fields to see repayment options.

Bankruptcy:

Fill in form fields to see repayment options.

Ask an Expert

When Faber invites you to ask an expert, we’re talking about our Licensed Insolvency Trustees (LITs). LITs are qualified, federally regulated experts who are held to a high standard of professional conduct and code of ethics when providing services and performing their duties.

LITs are the only professionals authorized to administer government-regulated insolvency proceedings that allow you to be discharged from your debt, such as consumer proposals and bankruptcies.

When you seek advice from an LIT, whether in our offices or online, you can be confident that you are dealing with someone who has the knowledge, experience and skills to be granted a license from the Office of the Superintendent of Bankruptcy.

Any questions?


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COVID-19 Benefits for Canadians | Canada’s COVID-19 Economic Response Plan

As news and information continues to rapidly evolve surrounding the COVID-19 virus, many Albertans may be wrestling with the financial fallout of this pandemic. 

To help alleviate confusion regarding the benefits that are currently available, we have included some quick links and highlights from Canada’s economic response plan below. 

If you have specific questions regarding your individual economic situation and the best strategies for your future, our financial experts are here to help. Contact us toll-free at 1.877.944.1177 or through our online contact form.

For those experiencing income loss… 

Albertans who have experienced income loss as a result of the COVID-19 pandemic may be entitled to different financial assistance programs. 

  • If you have income loss, have paid into Employment Insurance (EI) and have worked at least 600 hours in the past 52 weeks, you may be eligible for EI benefits.
  • If you are not eligible for EI and have experienced income loss as a direct result of COVID-19, you may be entitled to the Canada Emergency Response Benefit (CERB). This CERB provides a payment of $2,000 for a 4-week period for up to 16 weeks. To receive this benefit, eligibility requirements must be met. Note: You cannot apply for CERB if you have already applied for EI. 

For students… 

To assist students with the financial challenges posed by this virus, the government has placed a six-month interest-free moratorium on the repayment of Canada Student Loans and Canada Apprentice Loans.

For families… 

To help families cover expenses during this time, there has been an increase to the Canada Child Benefit. Eligible recipients will receive an additional $300 more per child. 

For individuals and families… 

This government is providing a one-time, special payment through the Goods and Services Tax credit for low and modest income families. The average anticipated amounts for single individuals is around $400 and $600 for couples.

For homeowners… 

The Government, through the Canada Mortgage and Housing Corporation, is providing increased flexibility for homeowners facing financial difficulties. Impacted borrowers may be eligible to receive mortgage payment deferrals for up to 6 months. To learn if you are eligible, contact your bank or mortgage lender.

For taxpayers…

To provide greater flexibility to Canadians during this time, the filing date for individual taxpayers has been extended until June 1, 2020.

For seniors…

To assist senior citizens with the financial impacts of COVID-19, the government has reduced the required minimum withdrawals from Registered Retirement Income Funds by 25% for 2020.

For businesses…

There are a number of different support programs in place to mitigate the economic impacts on businesses and business owners. Some of these include:

  • The Canada Emergency Wage Subsidy Program, which offers a 75% wage subsidy for qualifying businesses.
  • The Temporary 10% Wage Subsidy: a three-month measure to allow eligible employers to reduce the amount of payroll deductions required to be remitted to the Canada Revenue Agency.
  • The Work-Sharing Program is being extended from 38 weeks to 76 weeks for employers affected by COVID-19.
  • Businesses can defer, until after August 3, payment of any income tax amounts that are owed on or after March 18th and before September 2020.

For more information and specific questions contact us. We can help.

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.

Payment calculator

Easily Compare Payment Plans

The payment calculator is a tool to provide you with a preliminary overview and comparison of the 5 different restructuring plans available for your consideration in determining the restructuring plan that is best for you. The 5 restructuring plans include maintaining regular monthly payments to creditors, consolidation loans, orderly payment of debts, consumer proposals and bankruptcy. The calculator is not comprehensive or exhaustive and is intended for demonstration and discussion purposes only. There are many additional factors and variables that require consideration that are beyond the scope and capabilities of the calculator.

We invite you to contact our office to schedule your free, confidential, no obligation consultation to review your unique financial situation and to further evaluate the restructuring plan best suited to your unique financial situation to eliminate your debt and provide you with the fresh financial start you deserve.

Enter values to review different payment plans.

  • Mandatory fields outlined in red.
  • Mouseover the “?” icon for descriptions.

This calculator uses the following interest rates:

  • Regular repayment: 17%
  • Consolidation Loan: 12%
  • Orderly payments: 5%
  • Consumer proposal: 0%
  • Bankruptcy: 0%

Total Regular Payments:

To see your debt repayment options please enter values in the form above.

Consolidation Loan:

To see your debt repayment options please enter values in the form above.

Orderly Payment of Debt:

To see your debt repayment options please enter values in the form above.

Consumer Proposal:

To see your debt repayment options please enter values in the form above.

Bankruptcy:

To see your debt repayment options please enter values in the form above.

Ask an Expert

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.