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Families we have supported
“From start to finish, they made me feel cared for without judgement. They, unlike most financial institutions, treated me like a person not a number and seemed genuinely interested in assisting me get out of this hole that I’ve dug myself, and into a position where I can breathe again!”
“Theodore was very knowledgeable and helped guide me thru such a complicated process with ease. His help was a blessing during a very stressful time. If you are struggling with debt, suck it up and start this process immediately. You will be thankful months from now!”
“The service was amazing, I would especially like to thank Fahim he was extremely helpful and made the entire process easy. Will surely recommend!”
FAQs
Depending on your chosen debt solution, we will refer you to either a licensed Trustee or a Debt Management company. They will then contact the creditors on your behalf to explain your current financial circumstances. Based upon income and expenditure would then determine what your affordability is.
Most debt solutions will allow you to keep your assets, in fact some even protect them! Some debt solutions disregard them completely and they make no difference. With a Bankruptcy you may be required to include some or all of your assets. We will review your assets and provide you with the information that you need.
All we can do is see. We understand that everybody has different circumstances which is why we encourage to always get in touch and let us know your story, let us see if we can help. We will focus on what you can actually afford rather than what the creditors are demanding. Most people qualify for at least one form of debt help and you will always be given information on whatever you qualify for, including ones which may result in your debts being written off completely.
Canadians have five basic debt solutions that they can use to get out of debt.
- a. Debt consolidation works by combining multiple debts into a single monthly payment at the lowest interest rate.
- b. A debt management plan (DMP) offers many of the same benefits as debt consolidation.
- c. With debt settlement, a private debt settlement company assists you in getting out of debt for less than what you owe
- d. A consumer proposal offers a better way to get out of debt for less than you owe. You consult with a Licensed Insolvency Trustee (LIT) in your province or territory.
- e. Another solution that a Licensed Insolvency Trustee can facilitate for you is bankruptcy.
Depending on which solutions you choose. Formal solutions, like a consumer proposal or bankruptcy, statutorily stop interest during these proceedings. With informal debt solutions, your agent will work for you to get interest reduced, or even stopped.. If you qualify for these solutions you will have them explained to you in full, including advantages and disadvantages so you have a balanced but thorough understanding of the solutions you have so that you can make your own informed decision on how you would like to proceed. Everybody’s individual circumstances are different, so get in touch today for some free, no obligation support and advice.