Bankruptcy

Consumer Proposal

A Consumer Proposal is an option available to individuals and businesses in which we help and arrange to make an offer to your creditors to modify your payments. It may result in a lower, more manageable monthly payment over a longer period of time, or it may result in your creditors’ agreeing to accept a percentage of your total debt.

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Bankruptcy

Bankruptcy

As an honest but unfortunate debtor, you may choose to use the legal process of bankruptcy, regulated by the Act, to obtain a discharge from your debts (subject to reasonable conditions). Declaring bankruptcy means that your secured creditors cannot take legal steps to recover what you owe them, such as seizing your property or garnisheeing your wages

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Credit Counseling

Credit Counseling

If you have filed a Division 1 or Consumer Proposal or declared Bankruptcy, you are required by the Bankruptcy and Insolvency Act to attend two Credit Counselling sessions. Look at these sessions as an opportunity to learn the tools to help you manage your finances in the future.

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“Never spend your money before you have it.” -Thomas Jefferson

“Creditors have better memories than debtors.” -Benjamin Franklin

NORTH YORK OFFICE
1280 Finch Ave. West
Suite 306 , (3rd Floor)

North York, ON, M3J 3K6

Tel: 416- 650-1100

  

SCARBOROUGH OFFICE
4433 Sheppard Ave. East
Suite 201, (2nd Floor)

Scarborough, ON, M1S 1V3

Tel: 416-754-0011

  

MISSISSAUGA OFFICE
(By Appointment Only)
93 Dundas Street East
Suite 110, (2rd Floor)

Mississauga, ON, L5A 1W7

Tel: 905-275-4200

  

Brampton OFFICE
(By Appointment Only)
7990,Kennedy Rd. South
Suite 201, (2ndFloor)

Brampton, ON, L6W 0B3

Tel: 905-796-3100

  

TORONTO OFFICE
(By Appointment Only)
120 Eglinton Ave. East
Suite 800,  (2nd Floor)

Toronto, ON, M4P 1E2

Tel: 416- 489-2000