Services
Call for a free consultation
613-236-9111
Proposal to Creditors/Bankruptcy
Do any of these apply to you?
Causes
- Overspending
- Job Loss
- Income Loss
- Divorce
- Disability
- Substance Abuse
- Extravagant Lifestyle
Symptoms
- You borrow money to make i t from one payday to the next.
- You go over your spending limit and use your credit card as a source of income rather than a purchasing convenience.
- You pay interest only and do not reduce your debt.
- Your wages have been garnisheed.
- Utility companies cut off service.
- Creditors harass you and threaten to sue or repossess your car, furniture, or other belongings ... or they put you in the hands of a collection agency.
Solutions
- Information arrangements
- A debt consolidation loan
- Referral to a credit counselling service
- A consumer proposal
- Assignment in bankruptcy
Financial Counselling
Do any of these apply to you?
Problems
- No Budget
- Overspending
- Job Loss
- Income Loss
- Divorce
- Disability
- Substance Abuse
- Extravagant Lifestyle
Symptoms
- You borrow money to make it from one payday to the next.
- You go over your spending limit and use your credit card as a source of income rather than a purchasing convenience.
- You pay interest only and do not reduce your debt.
- You feel that you are not making progress.
Solutions
Financial Counselling
- Establish a realistic budget
- Lifestyle analysis
- Setting financial goals
- Informal arrangements with your creditors
- Periodic follow-up by a Financial Counsellor
Allow us to review your options with you. Contact our office for an appointment to assess your situation.
Debtor Assist
Effective budgeting and lifestyle change will control your financial situation, resulting in improved emotional well-being and personal relationships.
Living within your means allows you to take care of your needs and supports positive lifestyle change.
Our firm is committed to helping you to re-establish yourself. We offer counselling sessions to help prevent future problems and establish better financial habits.
Make a commitment to yourself. Declare that everything is under control
and that tomorrow really is a new beginning.