519-646-2222
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Locke Consulting Inc.

Your Local, “Three Best Rated“, LIT Firm
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Same Day Appointments Available

Locke Consulting Inc. has been helping people solve debt problems in Southwestern Ontario since 2012

Clients’ 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!
Google rating score: 5 of 5, based on 25 reviews

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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.

“Trustees shall be honest and impartial and shall provide to interested parties full and accurate information as required by the Act with respect to the professional engagements of the trustees.“

– Rule 39 of the Bankruptcy & Insolvency Act

We Are Your Local, Three Best Rated, LIT Firm

There are only a few Licensed Insolvency Trustee firms with head offices in London, some firms have client offices in London but administer the files remotely from other locations. The advantage of dealing with a local firm is that you can drop in any time.

We also service Southwestern Ontario, including Woodstock, Windsor, Sarnia and Chatham with one phone number (519) 646-2222 making us easy to reach.

Virtual Services

Effective January 1, 2022 Licensed Insolvency Trustees are permitted to use virtual platforms like Zoom to witness clients signing and attesting documents.  Licensed Insolvency Trustees are licensed by the Federal Government but had been restricted to taking on files in areas in which they maintain offices.

We will help you

  • Get out of debt
  • Set monthly payments you can afford
  • Learn to balance your budget
  • Stop legal actions
  • Remove garnishees from wages
  • Keep your assets
  • Provide you with good information
  • With money management tips and advice

Mortgage Top Tips

Avoid reverse mortgages – they are very costly, consider selling instead.