Meet the Locke Consulting Team

At the core of Locke Consulting’s success is our dedicated team. With a rich blend of experience and expertise, we’re united in our mission: providing top-tier financial guidance for our clients. From our seasoned strategists to our supportive advisors, we’re committed to navigating you through financial challenges.

Tom Locke, Licensed Insolvency Trustee

Thomas (Tom) Locke, BA, LIT, CIRP

Licensed Insolvency Trustee

Tom has worked progressively in the insolvency industry in London, Ontario, since 1995 when he started work as a credit counsellor.  During his career Tom has helped thousands of people to find solutions to their debt problems.


Durham College – Segments I, II & III OREA
Trent University – BA (Psychology)
Fanshawe College – Certificate in Human Resource Management
Ryerson College – Insolvency Counsellor Qualifying Programme
Fanshawe College -Accounting, General Business, Computer Applications
Office of the Superintendent of Bankruptcy – Licensed Insolvency Trustee
CAIRP – National Insolvency Qualifying Programme
– Coaching Theory
EC – Certified Coach


Tom’s main interest is helping people solve debt problems.  His hobbies include, NCCP Coaching, Fourth Degree Black Belt – WTF Taekwondo,   Former Triathlon Competitor, Horsemanship – (Tradiciones del Vaquero), Member of Ontario Equestrian, Member Xtreme Cowboy Ontario, Member and Registered Coach of Canada Equestrian

Billie-Jo Nethercott, 
Estate Manager. - Locke Consulting

Billie-Jo Nethercott

Estate Manager

Billie-Jo has worked and studied in the financial, legal, and insolvency sector, as well as client services.  She enjoys interacting with people, and believes everyone has their own unique situation that affects all aspects of their life, mentally, emotionally and financially.  Billie-Jo provides support and guidance through the insolvency process so clients can be sure getting a fresh start.


Lambton College  –  Business Administration/Executive Studies
Westervelt College  –  Law Clerk
CAIRP  –  Insolvency Administrator


Dedicated mother to two children.   Bowling, Baseball, Volleyball.