If your credit cards are maxed out or you’re barely keeping up with minimum payments, you’re not alone. We can help with a plan that actually gets you out of debt.
Short-term loans can spiral fast. If high fees and interest charges are making it impossible to catch up, we’ll work with you to start fresh with a real solution.
Tax debt can feel intimidating, but it’s not unmanageable. We help negotiate directly with the Canada Revenue Agency (CRA) to reduce or restructure what you owe.
Government student loans may be eligible for full discharge if it’s been seven years since you left school. Not sure if you qualify? We’ll review your timeline and help you understand your options.
If bank loans, utility bills, or overdue accounts are piling up, we can stop collection calls, prevent wage garnishments, and find a path that lowers your payments without losing what matters most.
If stress, anxiety, or sleepless nights have been weighing on you, know that relief is possible and closer than you think.
You’ll speak directly with a Licensed Insolvency Trustee (LIT) and together, we’ll discuss your financial situation in a judgement-free zone, where the focus is on finding a way forward.
Your LIT will review your income, debts, and expenses to give you a clear picture of what’s possible. Whether it’s bankruptcy, a consumer proposal, or other alternatives, we’ll help you weigh the pros and cons of each.
We don’t believe in one-size-fits-all solutions. Based on your specific financial situation, we’ll recommend the service that provides the most protection, the fastest relief, and the best long-term results.
Once you’ve made your decision, your LIT will guide you through the next steps, including preparing the paperwork, dealing with creditors, and ensuring everything is filed correctly.
Now, you take back control. With a plan in place and support behind you, you’ll have a clear timeline to becoming debt-free and the peace of mind that comes with it.
We can help you weigh your debt-relief options so that you can make a confident and well-informed decision.
A consumer proposal can help you re-negotiate your debt payments over five years.
For individuals who owe more than $250,000 in unsecured debt.
We’ll gather the information needed to find you the most ideal debt solutions.
How long will it take to pay off your personal debt? Enter your total unsecured debt and see what your monthly payments could look like.
A personal budget is one of the most effective tools for managing your finances. Download our spreadsheet to track your income, expenses, and savings.
Your DTI ratio is a key indicator of financial health. Enter your monthly debt and income to calculate your ratio instantly.
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