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.

    Bank Account Seizure

    What Happens During Bank Account Seizure?

    If a creditor garnishees your bank account, all the money you owe can be taken from your account. Your financial institution will send you notice that it has received a garnishee summons against your account. Unlike wage garnishment, where all your wages cannot be taken, garnishment of your bank account means that all the money you have deposited at your financial institution may be taken.

    Can All the Money in a Joint Account Be Taken?

    Joint accounts may be garnisheed but the amount taken from these accounts is proportional to the number of account holders. Usually, only one person’s money in the joint account is garnisheed.

    If your employer direct deposits your wages to your bank account, you will need to make an application to the court so that these deposits have the same exemptions as wage garnishments. If you don’t apply for this exemption, your employer’s direct deposits will be regarded as bank deposits and may be taken in their entirety.

    If the only money in your account is from payments under the Income and Employment Supports Act, the Assured Income for the Severely Handicapped Act or Widows’ Pension Act, this money cannot be garnisheed. Deposits from other sources may be garnisheed.

    Can You Stop Garnishment?

    It is possible to stop or change the terms of garnishment through a court order. This process will require the advice of a lawyer.

    How Long Can Your Accounts Be Garnisheed?

    Garnishee summons are valid for 60 days against a bank account but a creditor can apply for renewal of the summons at that time.

    Thank you all for making a not so happy time a positive learning experience.

    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.