Served Over 20’000 Families Since 2004


You could …

  • Be making one small monthly payment for all your debts
  • Be free of threatening phone calls
  • Be on the way to re-establishing your credit
  • Reduce your debts
  • Be free of a wage garnishment

We take care of the following:

  • Bank Loans and Overdrafts
  • Credit Card Balances
  • Student Loans
  • Personal Unsecured Lines of Credit
  • Personal Unsecured Loans
  • Canada Revenue Agency Dues
  • 407 Bills / Payday Loan / Utility Bills Etc.

We Could Reduce
Your Debts more than 75%

Call Now
(416) 650 1100

What We Do!

Consumer Proposal

Consumer proposals are legal abiding debt settlement agreements, which are filed with a certified bankruptcy trustee, to pay back a creditor a certain proportion of what you owe in interchange for complete debt forgiveness.
Payment of proposals are interest-free and could be spread out over a maximum of five years. To this effect, this can lead to about 70% to 80% of savings.
Your terms of payment depend on the negotiation between what you can afford to pay and what your creditor expects to get. Acting as an administrator for consumer proposals, your certified bankruptcy trustee will meet with you to help determine how much you have to offer and to evaluate your financial condition.


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.

If you owe more than $1,000 and have carefully reviewed all your options, declaring bankruptcy may be the right choice to make.

Perhaps the most common question those considering bankruptcies ask is, “Will I lose all my assets?” Happily, the answer is no. There are several exemptions from seizure.


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.

The Credit Counselling that will best help you is not going to be the same as the counselling that’s best for someone else. Your needs are different, your learning style is different, and no two stories are the same. That’s why, at GTA Credit Solutions, we tailor our sessions to your needs. Our counsellors are serious about helping you build a better life.

Client Testimonials

Aksh Sandhu
Aksh Sandhu
i really want to thank them for clearing my collection and guided me through how can i rebuild my credit score so if anyone has bad credit or have collection’s on their file please consult them once and you won’t regret it. thanks
Szilárd Szabó
Szilárd Szabó
Rekha helped me trough my difficult bankruptcy process and she made it really smooth. All I can say if you have any problem don't look further!
ranjjit Preet
ranjjit Preet
GTA Credit solutions is very nice they relieve from my too much stressful situation of loans, Specially thanks to Rekha mam for helping and explaining everything to understand I am very happy with their service and strongly recommend to take their services.👍
Greatman one
Greatman one
They are the best among the rest and the way they solved my problem for me which I have been worried for some years. Now am in debt free and not worried of anymore debt because of their good work. I salute this company 👌.
GTA Credit Solutions helped me out alot. I worked with Rekha, she worked with me to create a solution for my consumer proposal. She got everything done in no time. I really appreciate the help and would definitely recommend GTA /Rekha to anyone.
Tien Nguyen
Tien Nguyen
Good job, thank you for helping me Rekha
Daisy Galapon
Daisy Galapon
Rekha, from GTA credit solution was very patient, she explained and help us to understand what the program all about and what is the right program for us. I would really recommend GTA credit Solution who are struggling in debt.
Samantha Parkes
Samantha Parkes
Rekha was very thorough and helpful. I really appreciated her efforts to help through the process :)
Jose Augusto Tan
Jose Augusto Tan
Mark Shamly of GTA Services was very helpful in taking care of my proposal. The process was quick and smooth. He expedited my application and I’m very grateful for the professionalism and great customer care. Highly recommended!

Any Question?

We know right now it feels like the world is on your shoulders, but the right solution can be surprisingly painless. The well-qualified, well-trained, and courteous staff at GTA Credit Solutions are here to guide you every step of the way.

This isn’t just a line on a website; it’s a professional and personal philosophy we take very, very seriously. Offering superior customer service is, quite simply, the only way we do business. Like family, we’re here to support you, guide you, and make you feel like there’s someone on your side. The only thing we offer that a supportive family can’t is objectivity.

From the company president to our sales executives, from counselors, consultants, and advisors to accountants and support staff, every member of the GTA Credit Solutions team is dedicated to the company’s fundamental philosophy: that you deserve to be treated with fairness, respect, and dignity, Just like family.

Q:What about my income tax debt?

A: Personal income tax debt is just like any other unsecured debt. Once you’ve filed for bankruptcy or submitted a consumer proposal, Canada Revenue Agency (CRA) can’t take any further action against you, including wage garnishment or freezing your assets. Your trustee will notify CRA once you file, and instruct it to stop any further action against you to collect your debt.

Q: Can CEBA loans be included in a bankruptcy or consumer proposal?

Yes, If your business was incorporated and closed, there is no need to file for personal insolvency as the debt is owned by the business and the business is a different entity therefore you are not personally responsible for the CEBA loan of a business.

No, If your business was a sole proprietorship or a partnership, In this case, you are personally responsible for repaying the loan.
If you cannot repay it and have some other debts such as; tax debts, credit cards, lines of credit personal loans, etc., you can include the CEBA loan in a bankruptcy or consumer proposal. As CEBA loans are unsecured debts, they can be discharged in insolvency in line with Canada’s Bankruptcy and Insolvency Act.

Q: Will filing for bankruptcy affect my spouse?

A: Not directly. But we do recommend that you come see us together to talk about both your options for solving your financial problems.

Q: What are the advantages of a consumer proposal?

A: It lets you make one monthly payment towards all of your unsecured debts, and in some cases can help reduce your debt load by as much as 70%. You don’t have to declare bankruptcy, and you likely won’t lose your assets. You continue to make payments as usual on your secured loans, and your unsecured creditors stop any further collection actions. Garnishments on your wages and bank accounts stop. And any interest or penalties stop piling up as soon as you submit.

Q: What is a joint consumer proposal?

A: A joint proposal is when more than one person submits a proposal together because they share a close financial relationship and their case can reasonably be considered together.

Q: What happens when my mortgage comes up for renewal?

A: You’ll have to discuss the details with your lender, but usually if you keep your payments up to date and can prove that you will be able to continue to make your payments in the future, you will qualify for a renewal.

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Who We Are!

GTA Credit Solutions is an Ontario-based financial consulting firm with a dedicated, professional staff of Registered & certified counselors. If you’re living under the weight of out-of-control debt, fear for the future, and can’t go one more day without taking steps to get your life in order, we are here to help. For individuals as well as businesses, coming to GTA Credit Solutions can immediately begin to lift the burden.

We Can Help You! Perhaps the worst thing about hitting financial rock-bottom is the way it makes you feel. Like you’ve let your family down. Like you’re never going to recover from a few bad choices. With all the harassing phone calls, you feel like a criminal. You feel like you’re all alone.


Years Established

Satisfied Customers

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  • You need to be a permanent Canadian resident
  • You need to be the age of majority in your province
  • You cannot currently be in bankruptcy
  • You need to pay a security deposit from a Canadian account in your name
  • You cannot be a resident of Quebec
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Three convenient Locations:

North York
1280 Finch Ave. West, Unit 306, North York, Ontario, M3J 3K6

4433 Sheppard Ave East, Unit 201, Scarborough, ON M1S 2V7

7990 Kennedy Road South, Unit 201, Brampton, ON L6W 0B3

(416) 650-1100

1 (855) 650-1100