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








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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.

    Debt Collection & Collection Agencies

    When you fall behind on your monthly payments, creditors will usually pursue you to collect the outstanding debt. In most cases, the creditor will refer your outstanding debt to a collection agency that works on behalf of them. Once your debt is in their hands, a collection agency is legally entitled to:

    • Call you at home between the hours of 7am and 10pm.
    • Call your spouse, partner, relative, neighbour or friend to obtain your contact information, such as your address, and your personal or business telephone numbers.
    • Call you at your place of employment, unless you make alternate arrangements with them to discuss your debt.
    • Contact your employer once to get the terms of your employment and address of your employer.

    It’s also important to know the legal boundaries of what is not permitted so you can record these instances for your records. A collection agency is not entitled to:

    • Call you or your spouse, partner, relative, neighbour, friend or employer repeatedly to the point that the number of calls is considered harassment.
    • Use language that is offensive, threatening, intimidating, profane or intimidating.
    • Give any false or misleading information.
    • Threaten to pursue legal action where the collection agency has not been provided the required consent to do so from the creditor.
    • Discuss your debt or the existence of your debt with any person other than you, including minors.
    • Call you after you inform the collection agency in writing that you dispute the debt and you want the creditor to pursue recovery of the alleged amount owed through the court.
    • Call you after you advised the collection agency that you are not the borrower, and provide evidence to confirm this.
    • Altering or cancelling any repayment arrangement made with the collection agency, if you are complying with the terms of the arrangement. We strongly recommend the terms of any repayment arrangement be documented in writing.
    • Make more than three unsolicited contacts with you during any seven consecutive days.

    Have collection agencies calling you?

    If you are experiencing collection action from a creditor or a collection agency, you have the right to protection. Give us a call to review your legal rights and discuss whether a consumer proposal or personal bankruptcy restructuring plan is right for you.

    We are truly grateful for having the opportunity to working with such a wonderful group of people!


    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.