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.

In light of the COVID-19 Pandemic, Our consultants are now available to serve you via Email, Phone and Video Chat.

Important Notice !

Consumer Proposal

Bankruptcy

Credit Counseling

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