A Fresh Financial Start

Yes. Your initial consultation is free and confidential, with no obligation to proceed. It’s an opportunity to understand your options and get answers about your specific financial situation.

We’ll review your debts, income, assets and monthly expenses, discuss what’s causing the financial pressure, and walk you through the options available to you. You’ll leave knowing what your options are, what they could cost and what the next steps would be.

Yes. Virtual consultations are available, so you can speak with a Licensed Insolvency Trustee from the privacy and convenience of your home. In-person appointments are also available.

Not necessarily. Whether you can keep your home depends on its equity, your mortgage and the debt solution you choose. We’ll review the numbers with you before you make any decision.

Yes. Filing a consumer proposal or bankruptcy creates a legal stay of proceedings that stops most wage garnishments.

Yes. Most income tax, HST and other unsecured CRA debts can be dealt with through a consumer proposal or bankruptcy.

No, not if the debts are yours alone. Your spouse remains responsible for debts they jointly signed or guaranteed.

Often, yes. It depends on whether your vehicle is financed or leased, its value and the debt solution you choose. We’ll explain how your vehicle would be treated before you file.

Filing a consumer proposal or bankruptcy creates a stay of proceedings that stops most unsecured creditor lawsuits and collection action.

Your employer is not automatically notified when you file a consumer proposal or bankruptcy. However, some regulated professions or positions involving financial responsibility, security clearances or professional licensing may have disclosure requirements. We can help you understand what applies to you before you file.

No. Meeting with us does not commit you to bankruptcy—or to filing anything. We’ll explain your options so you can decide what makes the most sense for you.