Locke Consulting – Debt Management

Your Path to Financial Freedom

At Locke Consulting located in London, Ontario, we specialize in comprehensive debt management solutions designed to help you regain control of your financial future. Whether you’re facing mounting credit card debts, overwhelming student loans, or any other financial burdens, our professional team is here to guide you every step of the way.

Debt Management Solutions

Effective debt management is crucial to navigate through financial difficulties and achieve a debt-free life. Locke Consulting offers an array of services to facilitate financial stability and well-being. Explore our expert solutions to understand how we can assist you in achieving your financial goals.

Debt Management Basics

Debt Management is a strategic approach to reducing, eliminating or paying down debts, primarily by negotiating with your creditors and managing your finances efficiently.

What is Debt Management?

It’s tailoring a plan that aids in reducing and eventually eliminating your debt through consolidated payments, financial education, and professional advice.

How Debt Management Works

We work closely with you to assess your financial situation, create a tailored repayment plan, and negotiate with creditors on your behalf to eliminate interest rates and additional monthly fees.

Importance of Professional Debt Assistance

Having professional assistance can expedite any debt management process, helping you avoid common pitfalls, ensuring a smoother transition to financial freedom.

Benefits of Debt Management

  • Reduction in the amount of debt
  • Eliminate interest rates
  • Restore financial stability
  • Instill peace of mind

Types of Debt

We help with a variety of debts to provide extensive support, regardless of your financial situation.

  • Credit Card Debt
  • Student Loan Debt
  • Taxes
  • Government Debt
  • Personal Loan Debt
  • Mortgage Debt

Our Services

At Locke Consulting, we offer a range of services to cater to varying financial needs and circumstances. Our expert team is dedicated to providing you with personalized solutions, enabling you to overcome financial hurdles and build a secure and stable future.

Insolvency Trustee reviewing debt solution paperwork for a debt settlement plan

Debt Settlement

Debt Settlement is a focused approach where we negotiate with your creditors to reduce the overall amount of debt owed. This method can significantly lessen your financial burden, creating a manageable pathway out of debt, and allowing you to rebuild your financial standing more rapidly and effectively.

Credit counseling

Credit Counseling

Credit Counseling from Locke Consulting empowers you with the insights and strategies needed to balance your budget, enhance your credit score and improve your financial well-being. We deliver expert guidance and practical solutions, enabling effective debt management and helping you realize your financial aspirations.

Person protecting assets from dominos representing bankruptcy


When you face overwhelming debt problems, bankruptcy can provide you with a fresh start. We guide you throughout every stage of the bankruptcy process, ensuring clarity around your options, compliance with legal requisites, and safeguarding of your rights and interests.

Consumer proposal debt solution

Consumer Proposals

Consumer Proposals provide a great alternative to bankruptcy, allowing a renegotiation of debt repayment terms with all creditors. We use our expertise in developing and presenting viable proposals, steering negotiations, and assisting in compliance with your newly established repayment terms..

Division one proposal for small businesses as part of a debt solution

Division One Proposal

For those owing more than $250,000 (excluding the mortgages on their residence), a Division One Proposal offers a formal recourse. We guide you meticulously through every step, from preparation and submission to negotiation with creditors, ensuring a structured and legally sound repayment plan is in place.

Client Google Testimonials

J Mehta
J Mehta
Professionalism and honesty, thanks Tom for your time for consultation! Highly recommended.
Very informative and knowledgeable.
Tom and his team are amazing! They truly have your best interest in mind
JOY Case
JOY Case
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
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
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
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
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
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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Debt Management Articles

Are you ready to Start Your Journey to Financial Freedom?

Begin your path to a debt-free life with Locke Consulting. Contact us today to schedule a free consultation, and let’s explore the optimal debt management solutions tailored for you.

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