We Help Solve Your Debt Problems

We are dedicated to helping people solve debt problems of all types.  The services we provide are customized to fit your situation.  We will help you to understand your rights, from what it means to have statute barred debts to dealing with collection agencies.  We can help negotiate settlements with creditors, file a proposal to creditors 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 any case we will help you get a fresh start and build back better.  

We offer in office client meetings, respecting social distancing measures, as well as telephone and Zoom meetings.  Initial consultations are always free, and are used to help us screen your situation to provide you with good 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

do not over-mortgage your house – the amount borrowed should be the amount mortgaged.

How to Start?

Call us today for your FREE consultation.

From our very first contact we will try 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.