Person filling out information on a formal proposal

Consumer Proposal

A Consumer Proposal allows you reduce the face value of your debt, stop interest and make new payment arrangements.

People on conference call

Division One Proposal

Division One Proposals are for Companies, as well as for individuals who owe more than $250,000 excluding a mortgage on a principal residence.

Debt Settlement

Debt settlements usually rely on a lump sum payment, but sometimes can involve regular payments.

Young woman happy to be out of debt

Bankruptcy

Bankruptcy is a great option for people facing debt problems. A bankruptcy can eliminate almost every kind of debt.

Our commitment to you

From the very first meeting we are working to find the right solution for you and your family, we will follow through and help you every step of the way to financial health and a balanced budget.

About Us

Locke Consulting Inc.

We are a full-service insolvency firm practicing in Southwestern Ontario, providing services to consumers and small businesses with challenging debt problem.

 

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Our Team

Get to know our team, we are dedicated professionals who strive to provide you with the best service we can.

 

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Client Google Testimonials

J Mehta
J Mehta
2023-03-14
Professionalism and honesty, thanks Tom for your time for consultation! Highly recommended.
Altboy
Altboy
2023-03-08
Very informative and knowledgeable.
DFrada20
DFrada20
2023-02-23
Tom and his team are amazing! They truly have your best interest in mind
JOY Case
JOY Case
2023-02-06
Tom is wise, informed, knowledgeable, current, kind and very helpful. I would recommend he and his service to anyone requiring support with corporate dealings.
Matt Buccieri
Matt Buccieri
2023-01-18
I read a blog by Tom about the ceba loan and at the bottom was his number and said call for a free consultation. I was shocked to get a call back the same day. He spent half an hour with me to give me the knowledge about how ceba and corporations work. I am so grateful to have stumbled on his blog. Thank you Tom
Colin Duckworth
Colin Duckworth
2022-12-08
I have had the pleasure of dealing with Tom on two occasions. Tom assisted me in making a proposal to a credit card company to make principal payments only, no interest, with a fixed monthly payment till the balance due was paid off. Then he recently assisted me with a bankruptcy, as I was in major financial problems, as I result of my own irresponsible money management. Tom and Billie Jo, have always been very professional, very polite on the phone and very caring, understanding people. Tom has given me a lot of tools to make my financial life much easier to handle and deal with. I would like to thank both Tom and Billie Jo for all their support and guidance and would recommend Tom Locke Consultants Inc. to anyone.
David Hewitt
David Hewitt
2022-11-09
Spoke with Tom today about CEBA loans, very informative , I will definitely be in touch again if any more questions or issues arise! Very glad I called Tom!!
EJ Martin
EJ Martin
2022-09-20
Great customer service and advice. Tom I really appreciated your help and expertise. I can not thank you enough for your support.
Kevin Jones
Kevin Jones
2022-08-02
Super professional. They actually care. Always answer their phones for guidance. Truly a good place to out trust into. Tom lock and his assistant Billie jo are great people. Aswell as great doing what they do!

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Article Highlights

The Great Depression vs. Today’s Economy: The Role of Easy Access to Consumer Debt

The great depression was followed by a faster recovery than we may expect today. The main difference being that today, people are walowing in debt, during, and after,...read more

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Consumer Proposals Help Ontario Homeowners

Consumer proposals help Ontario homeowners, perhaps far more than may be expected. Reduce your debts and stay in your home.

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Consumer (Proposal) Protections

The Bankruptcy & Insolvency Act does provide a number of consumer protections for people filing consumer proposals.

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