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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.

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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Money and Relationships: The Long-term Forecast

The sun is shining. Birds are singing. Flowers are sprouting. And something other than the wind chill is in the air. It’s warm and refreshing. It’s new and exciting. It’s love! Spring is often endearingly (and even scientifically) referred to as the season of love. It’s a time when many couples catch “the fever” and unite in a natural, free-flowing expression of affection, often without a care in the world.

Inevitably, though, seasons change, temperatures drop and the reality of every day life settles in. That’s when a common mood killer can creep up and put a damper on that lovin’ feelin’. And that culprit is (drum roll please) money!

Till debt do us part

According to most surveys on the topic, money is one of the leading causes of conflict in relationships. Ramsey Solutions reports that money fights are the second leading cause of divorce. The larger a couple’s debt, the more likely they are to argue about money. The study goes on to say that couples today are twice as likely to start off their marriages in debt when compared to previous generations. More specifically, 86% of couples married in the last five years began their marriages while their finances were in the red.

So why do money matters pose such an enormous roadblock to relationships? Many believe people are naturally hardwired to consider money to be essential to survival. Thus, having opposing financial views can feel very threatening. This is further amplified by the fact that nearly 73% of individuals have money management styles that are different from their partner’s.

Rivalling money mindsets and innate emotional impulses can make for a volatile combination, especially when other factors are added to the mix: my debt, your debt, our debt, and – a big one – financial infidelity (i.e. secret spending).

For richer or poorer

So what’s a couple to do? While the latest statistics may seem a bit dire, there are proactive steps couples can take to keep their relationships alive, their spending in check and their bank accounts thriving:

  • Start talking. If you’re a spender and your partner is a saver (or vice versa) getting on the same financial page can be challenging. But experts agree that beginning an open, honest financial dialogue (and keeping that conversation going) is a big step in helping understand your current situation and setting future goals.
  • Create a plan. Once you and your partner start to recognize and appreciate each other’s financial personalities, you can begin to create a plan and budget that works for you. Working together is a great way to curb financial anxiety, while nurturing a healthier and more communicative relationship.
  • Be financially faithful. Once you’ve created a plan, stick with it. One in three people confess they have hid a purchase or kept a financial secret from their partner. When you’re working on building financial trust, it’s best to tell the truth and be accountable.
  • If you can’t do it alone, ask for help. Recognizing and asking for expert help is a courageous way of taking proactive steps towards a more financially stable future and a more harmonious relationship.

If there’s one thing we know for certain (particularly in Alberta), is that the seasons will change. Spring will not last forever. But with communication, proactivity, honesty, planning (and perhaps with expert guidance), your relationship will have a stronger chance of withstanding any storms that might be in the forecast.

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.