What Happens When You Speak With a Licensed Insolvency Trustee
A clear, confidential process designed to explain your legal options — not to sell you a product.
Free Confidential Review
A private, no-pressure conversation to understand your financial situation, including debts, income, and assets.
No commitments. No decisions required.
Trustee Explains All Legal Options
A Licensed Insolvency Trustee explains every option available under Canadian law — including consumer proposals, bankruptcy, and alternatives — so you can make an informed decision.
Trustees are federally regulated and act in your best interest.
Proposal Drafted (If Appropriate)
If a consumer proposal is suitable for your situation, the trustee prepares a proposal based on your full financial picture.
Not everyone qualifies. Outcomes vary by individual.
Creditors Review & Vote
Your creditors review the proposal and decide whether to accept it under federal insolvency rules.
Approval is not guaranteed and depends on creditor voting.
Payments Begin Only If Approved
You make agreed-upon payments only if the proposal is accepted. Until then, nothing is finalized.
No payments start without approval.
Important: This information is for educational purposes only. Eligibility and outcomes depend on your income, assets, debts, and creditor approval. Only a Licensed Insolvency Trustee can determine your available options.
Debt Doesn't Have to Define Your Future
We understand the stress of financial burden. Our goal is to provide you with clear, actionable paths to relief, not just another loan.
Stop Collection Calls
Put an immediate end to harassing phone calls and regain your peace of mind.
Protect Your Assets
Solutions designed to help you keep your home, car, and other essential assets.
One Monthly Payment
Consolidate multiple debts into a single, manageable monthly payment.
Comprehensive Debt Relief Options
There is no one-size-fits-all solution. We analyze your unique situation to recommend the best path forward.
Consumer Proposal
A legally binding agreement to pay a percentage of what you owe. Stop interest and reduce total debt by up to 80%.
Debt Consolidation
Combine all your debts into one loan with a lower interest rate and a single monthly payment.
Credit Counselling
Expert guidance to help you budget, manage money, and negotiate with creditors.
Bankruptcy
A legal process for a fresh start when other options aren't viable. We guide you through every step.