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D. & A. MacLeod Company Ltd. has been serving the hard-working people of Pembroke for more than 70 years. We understand what it’s like living in the heart of the Ottawa Valley. We also understand the unique challenges of living in Pembroke and know that anyone can fall on hard times.


If you need credit counselling, debt help or bankruptcy services in Pembroke, our team can help. Schedule a free, confidential consultation with one of the licensed insolvency trustees at our office at 130 Pembroke St. W. We’ll listen to your concerns without judgment and explore all your options to help you decide on the best solution. Find a new beginning™ with D. & A. MacLeod Company Ltd. and start your journey to financial freedom. Contact us online or call 613-498-2012 to arrange a free, no-obligation consultation.


D. & A. MacLeod Company Ltd.

130 Pembroke St. W,

Pembroke, Ontario K8A 5M8

Call for an appointment


9:30 a.m. to 3:30 p.m.*

*Alternate times and/or days can be arranged upon request. Please state your request in the comment field below.

Appointments are subject to availability. Free parking.


We provide a comprehensive range of debt relief services to individuals, families, students, small business owners and corporations in Pembroke. Using a client-centred approach, we’ll assess your debt and educate you about the options available to help establish a firm foundation for your finances. Here’s an overview of some of the services we offer.

  • Credit counselling may be perfect for you if your spending habits have negatively impacted your life and you’re concerned about your financial future. We can help you develop a budget and come up with lifestyle changes that could reduce your monthly spending. Our team can also help you set realistic financial goals and prepare informal arrangements with your creditors.

  • A consumer proposal may be the best way to help you avoid bankruptcy and manage your outstanding debts. A consumer proposal is a legally binding agreement between you and your creditors, whereby you agree to pay a percentage of what you owe.

  • Personal bankruptcy isn’t an end. You can free yourself of your debts and create a healthy financial future for yourself and your family. When you file for personal bankruptcy, you must surrender certain assets to your licensed insolvency trustee, who’ll then distribute them to creditors. In exchange, you’ll be freed from your unsecured debts.

  • After graduating from college or university, many students are left with tens of thousands of dollars in student debt. Moreover, without a steady income flow, many students find themselves facing bankruptcy. We can help find ways to reduce your debt burden and pay off your loans more quickly.

  • A corporate proposal, also known as a Division 1 proposal, is a process available to corporations and individuals. During the process, a licensed insolvency trustee will present your creditors with a proposal to pay back a percentage of what you owe, either as a lump sum or periodic payments.

  • Corporate insolvency may be your only option if your company’s operations aren’t viable or can’t be restructured and all other options have been exhausted. Our licensed insolvency trustees understand the pressures faced by Pembroke entrepreneurs whose families and employees depend on the financial health of their businesses. We’ll guide you through the process and ensure your rights are protected.

  • Corporate restructuring can help improve your company’s worth to stakeholders and creditors and prove there’s value in the business. We understand this can be difficult, especially when you have your employees and the community to consider. Our team can analyze your finances and prepare a restructuring solution to address your current situation and protect your business from future issues.


As an individual or business, we understand how troubling it can be to realize you’re heading into serious financial difficulty. At D. & A. MacLeod Company Ltd., we’re licensed by the Government of Canada to help you handle your debts and find a new beginning™.


Schedule an appointment with one of our licensed insolvency trustees for bankruptcy, debt help, credit counselling services and more. We’ll help you find a way through your current financial crisis and work with you to create a financial plan for the future. We’re located in Pembroke at 130 Pembroke St. W.

Fill out and submit the online form below or call us at 613-498-2012 to schedule a free, no-obligation consultation.


Personal Services Information

What are your personal financial priorities?

Corporate Services Information

What are your Corporate priorities?
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