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Smiths Falls has it all: restaurants, museums, beaches and the beautiful, historic downtown along the Rideau River. With less than 10,000 people, Smiths Falls is an excellent place to raise a family and run a business.


When Smiths Falls residents need help with debt management and bankruptcy advice, they turn to a licensed insolvency trustee at D. & A. MacLeod Company Ltd. We understand that people go through hard times. We listen and offer advice without judgment.


Contact us today using the contact form below and let us help you find a new beginning™.



D. & A. MacLeod Company Ltd.

19 Abbott St. S,

Smiths Falls, Ontario K7A 5K6

Call for an appointment


9:00 a.m. to 4:30 p.m.

Free Parking Available

*Appointments are available in Smiths Fall on Thursdays and other times subject to your situation.


Our team has been helping families and entrepreneurs in Smiths Falls and the surrounding communities get free from their debt burdens for over 70 years. And we can do the same for you. Here’s an overview of the financial services we offer.


  • Credit counselling. Our credit counselling service helps you develop a budget, reduce your monthly spending, set realistic financial goals and prepare informal arrangements with your creditors.

  • Consumer proposal. An excellent way to avoid bankruptcy, consumer proposals are legally binding agreements between you and your creditors. A D. & A. MacLeod licensed insolvency trustee in Smiths Falls draws up the proposal whereby you agree to pay a percentage of what you owe.

  • Personal bankruptcy. If you’ve exhausted all options, you may need to file for bankruptcy and surrender certain assets to your licensed insolvency trustee in Smiths Falls, who’ll then distribute them to creditors. In exchange, you’ll be freed from your unsecured debts.

  • Student debt. Many students are left with unmanageable debt and no income after college or university graduation. We can help you find ways to reduce your debt burden and pay off your loans more quickly.

  • Corporate proposal. A corporate proposal (also known as a Division 1 proposal) presents your creditors with a way to pay back a percentage of what you owe, either as a lump sum or periodic payments.

  • Corporate restructuring. Reorganizing your company can improve the company’s worth to stakeholders and creditors and prove the business has value. Done incorrectly can cause more harm than good, so getting help from an experienced, independent third party is essential.

  • Corporate insolvency. If your company’s operations aren’t viable or can’t be restructured, bankruptcy may be the best solution. Our licensed insolvency trustees in Smiths Falls can guide you through the process.


The first meeting you have with your licensed insolvency trustee in Smiths Falls will include an overview of your current financial situation. After taking an in-depth look at your finances, we’ll provide you with an overview of your options and set goals together to achieve stability. Using a customer-centred approach, we work for you and not for the creditors.

  • 1. What general and personal information do we gather about you?
    D & A MacLeod Company Ltd just collects your personal information for your purchase delivery and confirmation and we will collect your IP address to protect your benefit against credit fraud and spiteful registration.
  • 2. How is the information used?
    D & A MacLeod Company Ltd uses your information to monitor general use of our service and to provide personalized service to you and to better serve you, our advertisers and our sponsors. For example, we may use the personal information that you have provided us to send an email in response to a question that you have asked. We won't send your advertisement to us through email without your permission. The general information that we gather about you is aggregated with general information of all users to help us better understand how our service is used. In addition, we aggregate the general information and the personal information. We compile and analyze this aggregated information so that we can provide more meaningful information to advertisers and sponsors and more relevant content and advertisements to you.
  • 3. With whom do we share the information?
    D & A MacLeod Company Ltd will not use or disclose your personal information with any third party without your prior express consent except (i) as necessary to provide the Site, (ii) as required by law, governmental authority or court orders, (iii) in order to cooperate with law enforcement authorities or governmental regulatory bodies or (iv) as we deem necessary to enforce our rights under this Privacy Policy. We may ask your permission to release your personal information to a third party. If you consent to such a release, then that third party will have access to your information. If you do not consent, then we will not release your personal information to that third party. We may contain links to other sites from our website. D & A MacLeod Company Ltd does not control the content or practices of any other site, including what information those sites collect about you. Although we try to link only to reputable companies, we do not control the privacy policies of any web site other than ours and we do not hold ourselves responsible for the privacy policies of any site that you may link to from our site. In addition, you may choose to respond to advertisements that are posted on our web site or to direct marketing offers from third party sponsors or advertisers. We do not control the content or practices of our sponsors or advertisers and, accordingly, we do not hold ourselves responsible for the privacy policies of any third party sponsors or advertisers who may collect information about you. D & A MacLeod Company Ltd cooperates with law enforcement agencies to identify those who use our services for illegal activities. D & A MacLeod Company Ltd reserves the right to release information to law enforcement agencies about our registered users or any user of our Site who we believe is in violation of applicable law, even without a subpoena, warrant or court order. We also reserve the right to report to law enforcement agencies any activities that we reasonably believe may be unlawful.
  • 4. What are "cookies" and how are they used?
    A cookie is a very small text file placed on your hard drive by a web server. We use cookies for a variety of reasons. For example, a cookie may be used to identify each user who accesses our Site and to obtain session information for users of our Site. We may use this information to deliver a more personalized service to our users. In addition, cookies allow advertisers and merchants to track responsiveness to their marketing efforts and to process transactions at their online stores. Thus, we allow advertisers or partners to set cookies, but only if they agree to comply with our privacy policy. Please note that, in addition to allowing you to accept all cookies, your internet browser software may also allow you to be warned before accepting a cookie or to reject all cookies. Our Service is dependent on the acceptance of cookies by our customer. Therefore, if your browser is not set to accept cookies, you may experience problems using our Service and will not be able to use all of the services offered on our Site.
  • 5. Amendments to our Privacy Policy
    We may, from time to time, amend our Privacy Policy. If we do, then we will post such amendments to this document so that you may always have access to our most recent policy. We reserve the right, at our discretion, to change, modify, add or remove portions of our Privacy Policy at any time and from time to time. This Privacy Policy has not been modified since its original posting date of May 1, 2013.
  • 6. Acknowledgment and acceptance of our Privacy Policy
    Your use of D & A MacLeod Company Ltd is subject to this Privacy Policy and by using the Site and/or registering as a user on the Site, you affirmatively agree to all terms of this Privacy Policy. Your continued use of the Site constitutes your continued agreement to the terms of this Privacy Policy. If you do not agree with the terms of our Privacy Policy, then you are not permitted to use the Site and if you have provided personal information to us via the Site, then we ask that you remove your personal information, as described in paragraph five above. If you have questions concerning our privacy policy, please direct them to our Privacy Officer.


At D. & A. MacLeod Company Ltd., we have offices across Eastern Ontario and can assist you wherever you’re located. Our office in Smiths Falls is located at 19 Abbott Street South and is easily accessible to surrounding communities.


To speak to a licensed insolvency trustee, call or visit our office in Smiths Falls today and find a new beginning™.


Book a free, no-obligation consultation online below or call 613-284-2002.


Personal Services Information

What are your personal financial priorities?

Corporate Services Information

What are your Corporate priorities?
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