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.

    Asset Seizure/Repossession

    Can You Protect Your Property from Seizure?

    If the court decides that a creditor’s claim is valid and issues a judgment against the debtor, the creditor registers a writ of enforcement to permit seizure of personal property to pay the judgment debt, interest calculated from the date of judgment and costs. Creditors will also engage a bailiff to handle the seizure of your property.

    You will receive 3 documents when a writ of enforcement is registered: they are a notice of seizure, a notice of objection and an information for debtor form. These documents may be handed to you or they may simply be posted at your entry. The bailiff may take the property immediately. If the property is not immediately seized, then the bailiff will caution you against selling, moving or damaging the property.

    You have 15 days from receipt of the notice of seizure to file the notice of objection explaining reasons why your property should not be seized. If you do so, you will later receive a date for a hearing to decide if your creditor is entitled to take your property. Filing an objection notice also means that your property cannot be sold without a court order.

    What Property Can Be Seized?

    If you own land or buildings, the writ of enforcement may be registered in the Land Titles Office, preventing you from selling or refinancing the property until the judgment is paid. Your creditors, or rather, the civil enforcement agency they engage to perform the seizure, cannot take everything you own. Some household furniture and appliances, a vehicle and tools, or personal property you need to earn a living may be exempt from seizure.

    Can Seizure Be Stopped?

    It may still be possible, even at this stage, to talk to your creditor, pay some of the money you owe and work out a payment plan for the rest to prevent seizure.

    I wish to thank you for your understanding through my ordeal. For the compassion and thoughtfulness of what I was going through.

    Sonia 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.