We Help Solve Debt Problems

We help people solve debt problems of all types.  Our services are customized to fit your unique situation.  We help you to understand your rights, from statute barred debts to dealing with collection agencies. 

We help negotiate settlements with creditors, file a proposal (to reduce the face value of your debts to pennies on the dollar) with affordable monthly payments, or with the filing of a bankruptcy.  In every scenario we help you get a fresh start and build back better.  

We offer in-office client meetings, as well as telephone and Zoom meetings.  Initial consultations are always free, and help us screen your situation to provide you with solutions to get you back on your feet.

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

Tom’s Top Tips

CMHC insurance only covers the lender, it does not protect you – pay more up front and avoid expensive insurance.

How to Start?

Call us today for your FREE consultation.

From our first contact we try to find the right solution for you and your family, we follow through and help every step of the way to financial health and a balanced budget.