We do Credit Counselling, Consumer Proposals and 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.

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

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.

Briana Malcolm

12:39 15 Jul 17

I lost my son to cancer last year and our credit cards bills were sitting heavily on me. My husband was working day and night to cover the debt but the interest rate was just too high for us to manage. We finally decided to hire a GTA CREDIT company to settle our debt. After careful research and reading good reviews, we settled on GTA Credit. Our councillor explained everything to us from top to bottom and how long it would take for us to pay the debt. They negotiated with the creditor and managed to reduce the interest rate charges, which was a blessing. We have been making payments for over a year now and everything is going great. Our councillor calls us from time to time to make sure that if we are satisfied with how things are proceeding.read more

Sean Paul

15:21 10 Jul 17

How do you know that the financial service you have hired is an expert at what they do? When you see results when after paying off your consumer proposal, that’s when! They handled my accounts beautifully and by beautiful I mean my credit report has never looked this good before. It’s a shame how people don’t trust these companies because they do a great job, well . . . GTA Credit sure did. I am going to be debt free now, so I am happy with the service. I have also recommended them to one of my office colleague who is thinking about declaring bankruptcy.read more

James Leeper

13:32 24 Jun 17

Many companies don’t reveal their interest rates until you hire their services. While GTA Credit is one of them but they are totally transparent when you call them. The only thing I was worried about was the interest rates on my credit card because they had been piling up for too long. The negotiations took a little time but I was extremely happy with the end result. Not only was my interest rate reduced, they also gave me a plan on how to manage my payments. I paid my share of the monthly payments on time and they did their part on time. I even checked my online accounts and everything looked good and in order. This company is legit and does what it says.read more

Kenneth Rego

18:34 06 Jul 17

I have been using GTA Credit counseling for years. I run my own business and sometimes, a delay in my inventory gets me into debt, which is hard to pay until the merchandise is sold. I mostly end up paying out of my own pocket. However, I few years back, I decided I was done being my own boss and I wanted to travel the world. However, I had three creditors on my back, who wouldn’t negotiate. So, I contacted GTA Credit and asked them to take care of the problem. They made a consumer proposal and sent it to my creditors. In approximately 45 days, a deal was struck and I was following the plan the company had designed for me. It took me a year to pay the entire debt but the relief was worth it. Since then, I have recommended GTA Credit to many of my friends.read more

Allan Menendez

08:31 23 Jun 17

The good thing about GTA Credit is that they are one hell of a negotiator. The thing with debt is that you need to be patient about it. You can’t pay an amount of $10K in just a year. I seriously had lost all hope when my friend told me about GTA Credit. I had exhausted all options and it was time to go to a professional. They advised me that a consumer proposal was in my best interest. Majority of my creditors negotiated and I was at a start. The company not only helped me reduce my interest but also negotiated with my creditors to further chalk off a small amount of the debt. All you need to do is keep up with your online account and check with the creditors. I’m at the end of my second year and my almost done with my debt.read more

Muhammad Hassan

21:54 28 Jul 17

I love there services and they guys are really professional and awesome I meet with AJAY sir and he treats me very good I recommend if anyone needs credit solutions so meet with them they are superb 👍read more

ankit patel

17:37 19 Aug 17

Really helped me a lot and suggested a good things and plans for financial planning and to score good creditsread more

Consumer Proposal

Bankruptcy

Credit Counseling

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