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Talk to a Licensed Insolvency Trustee today. Free and confidential.

Licensed Insolvency TrusteesGovernment-licensed professionals

Serving Canadians Since 1980Over 50 years of experience

5-Star Google ReviewsTrusted by our clients

Speak With a Trustee Near You

Toronto & Area(416) 665-3000 Oshawa & Area(905) 665-1240 Kingston & Area(613) 549-5398 Brockville & Area(613) 345-3860 Cobourg & Area(905) 373-4300
Outside these areas? Call toll-free 1 (800) 372-7337

Trusted Debt Relief Since 1980

Your Fresh Start Begins With the Right Advice.

We’ve helped 10,000+ Ontarians find their way out of debt. Let our Licensed Insolvency Trustees review your situation and recommend the best course of action for you.

  • Free Consultation
  • No Obligation
  • Private & Confidential

Your Debt Relief Options

Three Solutions. One Trusted Team.

As Licensed Insolvency Trustees, we offer clear, honest advice about all available options and help you choose the solution that’s right for your situation.

Consumer Proposal

Reduce Your Debt and Stop Interest

A Consumer Proposal is a settlement offer to your unsecured creditors. You make one affordable, interest-free monthly payment for a portion of what you owe. It can be a good option if you owe less than $250,000, excluding your mortgage and vehicle loan.

  • Reduce your debt by repaying only a portion of what you owe
  • Stop collection calls, wage garnishments, and most legal actions
  • Freeze interest on debts included in your proposal
  • Keep your home, vehicle, and other assets
  • Make one affordable monthly payment that won't increase
  • Avoid bankruptcy and pay off your proposal early without penalties

Division I Proposal

For Higher Debt Amounts

A Division I Proposal works similarly to a Consumer Proposal but is designed for larger debt amounts over $250,000, excluding mortgages and vehicle loans. It provides a structured, interest-free payment plan with your creditors.

  • Suitable for higher debt amounts
  • Stop interest and collection calls
  • Use flexible payment terms based on your situation
  • Keep your assets in most cases
  • Avoid the need to file for bankruptcy

Bankruptcy

A Fresh Start

Bankruptcy may be the right option if a proposal is not suitable for your situation. It provides legal protection from creditors and allows you to eliminate most unsecured debts.

  • Stop collection calls, wage garnishments and legal actions
  • Eliminate most unsecured debts
  • Keep essential assets in most cases
  • Get a fresh start and move forward
  • Begin rebuilding your credit after discharge

Need to Speak With Someone Right Away?

Speak With a Licensed Insolvency Trustee Today.

Get answers to your questions and personalized advice about your debt relief options. Your consultation is free, confidential, and without obligation.