Our Services

What we do and how we do it

As a Licensed Insolvency Trustee, we offer professional guidance on the consumer proposal process and support while facilitating bankruptcy alternatives and consumer debt proposals. We help you clear your debt in a respectful and understanding environment. Our approach is unique, based on the feedback and experience of our clients and partners. Whether exploring a consumer proposal vs bankruptcy Ontario or comparing a debt management program vs consumer proposal, we provide the information in a way best suited to you so that you can take control of your finances immediately.

Our main office is based in Mississauga and we have the ability to meet throughout the GTA, making us the best consumer proposal company for personalized assistance. We understand many of our clients are stressed about debt and confused as to what to do next; that is why we should be your choice for debt resolution. We provide a more personalized approach to debt solutions, making sure we understand your individual needs and are accessible to provide the answers. There is life after debt. We will work together to help you reset your financial future.

Debt relief is possible with a Consumer Proposal

The consumer proposal process under the Bankruptcy and Insolvency Act allows you to make a consumer proposal to your creditors to; reduce the amount of your debt, extend the time you have to pay off the debt, or some combination of both. For example, a proposal will attempt to settle your debt asking creditors to accept being paid a percentage of your debt over a period of time, interest free. When you file a consumer proposal, your unsecured creditors will not be able to initiate or continue legal or collection actions against you.

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Debt relief is possible with a Bankruptcy

Bankruptcy is a legal process under the Bankruptcy and Insolvency Act . Because you are unable to pay your debts, you assign all of your assets, except those that are exempt by law, to a Licensed Insolvency Trustee. This process relieves you of most debts and legal proceedings against you by creditors should stop. However, before considering bankruptcy, many individuals explore alternatives such as a consumer proposal for debt, which can offer similar protections without the full consequences of bankruptcy. When dealing with tax-related obligations, it’s important to understand how a consumer proposal CRA approach may help manage debts owed to the Canada Revenue Agency.

If you’re ready to take action, following the consumer proposal steps will guide you through reducing debts while stopping collection calls and garnishments. For tailored assistance, searching for “a consumer proposal near me” will connect you with professionals who specialize in this process. We will assess your personal circumstances and outline what your responsibilities are during your bankruptcy and more importantly, move quickly to stop all collection calls or garnishments against you.

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